vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: CA

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, 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 2023-04-11 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: CA

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 XXXXXXXX, 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 2023-04-11 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act these creditors, ( XXXX/XXXX  and Midland Credit Management XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my vivid instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
there are late payments reported by XXXX XXXX XXXX  XXXX XXXX during XXXX XXXX pandemic.. according to the CARE ACT and The Hero XXXX XXXX XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the XXXX  XXXX pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXXXXXX Remove all adverse information reported during XXXX  XXXX pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached a fraudulent collection and fraudulent inquiries that I did not authorize please delete

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Towards the end of XXXX, 2022, 2 mobile deposits were made into my account. I called USAA and flagged them as fraud with their service representatives. On the following Monday, I called back because my application on my phone was not working. I was transferred to a lady who said that I deposited the checks that were fraudulent and am responsible for all the funds while USAA was exercising their right to discontinue my banking. They took my XXXX XXXX check and refuse to talk to me. I have been hung up on NUMEROUS times. They say I need to be verified before answering any questions but I have been completely deleted out of their system. I received a bank statement in XXXX or XXXX saying they still owed me a small fraction of the money they took from me. Everytime I call about my refund I get hung up on. The physical location is in another state. I can not just go talk face to face. I have asked numerous times for copies of the checks to see where they came from and the signature on the back. I have yet to receive anything after 5 Months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I spoke with a representative named XXXX from the Fraud Department of XXXX Credit Bureau, who was very rude, I stated to him the debt has not been validated. However upon reading the response from the company, I never received a packet to the address on file to complete and return. I was also made aware today the debt was verified. If the Company can send it via email to XXXX so that I may fill out the packet for completion stating its FRAUD. Under the FDCPA I do not have an obligation to pay a 3rd party ( Convergent Outsourcing ) who does not own the debt originally. If the company can send me the documents with a WET signatures that I made a agreement to pay the alleged debt.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collection and fraudulent inquiries please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/2022 Goldman Sachs alerted me to unusual activity with my credit card. My apple iphone was hacked. My apple id was breached & my apple wallet & bank account app were compromised. I closed my apple credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX  i paid the balance in full. That account no longer exists. I also lost XXXX that was on my applepay account. Goldman sachs continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called goldman sachs at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XX/XX/2023 I placed a call to Equifax to correct information being displayed on my consumer report. They willingly and knowingly provided, false and misleading information in regards to their ability to change or correct information that They are ultimately reporting unlawfully on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TX

Complaint narrative:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Repeatedly called after i requested this information be mailed. Threatened to sue me to call my employer and to do anything necessary to recover this supposed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt 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 2023-04-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a Also my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXXXXXX 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 XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a court case versus XXXX XXXX XXXX. On XXXX XXXX 2022 In the county court of the XXXX XXXX XXXX XXXX XXXX XXXX... The case was dismissed on my behalf but XXXX XXXX XXXX. has been currently reporting {$2000.00} the negative debt on my credit report is inaccurate the case has been dismissed by the judge.and the account needs to be removed off of my credit report from all three credit bureaus. Experian, XXXX, and 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent collections and inquiries

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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was sent a referral link for an American Express Platinum Classic card with a XXXX point bonus welcome offer, and {$200.00} cash back from a friend. This offer is commonly found on the web at the time of this writing. When applying for the card online I received a message saying I am not eligible to receive this welcome offer, with no explanation as to why I could not receive this offer. The fine print said Welcome offer ( s ) may not be available to applicants who have or have had this card. I do not have any card in the Amex Classic credit card line. I was approved for the card. 

I called customer service a few time to understand why I couldn't get the welcome offer and none of the agents were able to give me an explanation. They did say I could accept the card and then find out after I receive the card, but still will not be able to get the welcome offer. 

When I apply for the standard welcome offer through login into American Express I am able to receive the welcome offer for XXXX points. Pre approved for the card. 

It would be more understandable if I couldn't receive any welcome at all. And was given information as to why some people are not eligible for the offer ( s ). Instead I was only able to receive the lowest offer. It feels like the company is falsely advertising Welcome offers, to insist customers for applying to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In XX/XX/2022, I was notified by XXXX XXXX who monitors my accounts ) that multiple cards were being opened or trying to be opened in my name. I called XXXX and together we called the various credit card companies. 
I thought all the accounts had been closed. I put a freeze on any future account being opened with the 3 credit bureaus. 
Today, I looked at my credit report, and saw that one of these accounts that was opened was still open. And my credit score plummeted by XXXX points as payments have not been made on it. 
I called XXXX immediately . They had me call XXXX and XXXX. XXXX insists on this identity theft report being filed. I did not know anything about this report. Nothing was mentioned to me a year ago about filing out this report. 
I called Wells Fargo today ( where the credit card is issued in my name and has a balance ). Wells Fargo is opening up a fraud report. 
This should not be such a difficult problem for a fraud victim to overcome. Thank you for your help.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are. 
reporting inaccurate information in the personal information section. To diminish speculation my information is as follows. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. 

My address should read : XXXX XXXX XXXX. 
XXXX Pa, XXXX Social Security XXXX Please remove ANY other information you are currently reporting as it is NOT accurate. 

I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,

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