vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: NY

Complaint narrative:
For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent Experian, XXXX and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to Experian, XXXX and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX XXXX  XXXX  A/C XXXX XXXX XXXX A/C # XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX XXXX. XXXX  inquiry on XX/XX/XXXX XXXX. XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) inquiry on XX/XX/XXXX Experian : XXXX. XXXX XXXX A/C # XXXX XXXX A/C # XXXX XXXX. XXXX inquiry on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on 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
Consumer complaint received 2022-04-23 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: WI

Complaint narrative:
Unauthorized hard inquiries where put on my Transunion credit report from an incident of Identity theft. I did have some closed and open accounts with some of the institutions listed below, however the new inquiries where not initiated by me. The list below shows name of institutions, as well as dates of occurrences. 

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 2022-04-23 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!

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 2022-04-23 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: Self Financial Inc.
State: MI

Complaint narrative:
XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: OH

Complaint narrative:
AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act. XXXX XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act. Experian XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed

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 2022-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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:
Last year I discovered a false account with XXXX XXXX, XXXX XXXX, and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-04-23 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: MD

Complaint narrative:
To whom it may concern, I am filing a complaint against Experian due to willful negligence. Experian continues to provide false and misleading information regarding the unverified CCU collection account that remains on my credit profile. Per Experian 's website CCU is a collection account but per my fico Experian is referring to it as a charge off which is in violation of my consumer rights as maximum possible information is not being reported accurately. I have submitted many disputes as it pertains to the unverified collections account that remains ONLY on my Experian report. Experian refuses to reinvestigate and continues to provide me with the same generic response month after month which is against the law and violates my consumer rights as the credit report should have maximum correct information. Experian continues to state the collections account has been updated, but it remains unchanged. If this matter is not properly investigated, I will be forced to start the litigation process. Please properly reinvestigate and remove this erroneous information immediately.

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 2022-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I received a solicitation from XXXX XXXX at Rocket Mortgage to refinance my mortgage. My current rate is very competitive and I told him I was not interested. I then received a letter in the mail indicating that my mortgage loan was denied when I never applied for any loan. I called Rocket Mortgage- and spoke with XXXX who advised that they should have advised it was withdrawn not denied. I told Rocket Mortgage that I should not have received any letters as I never applied or requested a refinance review or decision. She forwarded me to a resolution advocate, XXXX XXXX, who was very kind but did not seem to know how to fix the issue. She advised that I should not be concerned because credit reporting agencies were not notified. I told her that was the least of my concerns. I was concerned because it looks like Rocket mortgage was falsifying documents indicating that I tried to apply for a loan and was denied- which is not accurate or truthful. The " denial '' letter references a loan number but there was never any such agreement between myself and rocket mortage. XXXX advised this was not a " real '' loan number but just a way to keep track of client calls. I advised her that was a poor choice of labels and that if it says it's a loan on my letter- then it is a loan. I advised that I want a corrected letter from Rocket Mortgage indicating there was no loan application or request and that I was not denied a loan - that I did not apply for a loan. 
This sounds very similar to a situation XXXX XXXX found themselves in a few years ago where they were opening accounts on the customer 's behalf after a similar phone call. XXXX XXXX was found to be in violation, held accountable, fined and resulted in lost business for XXXX XXXX. I do not think Rocket Mortgage should be allowed to continue this practice. If a customer is contacted as part of a marketing campaign, it should not be labeled a mortgage application unless they chose to apply for the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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:
Last year I discovered a false account with XXXX XXXX, XXXX XXXX, and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-04-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The addresses listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The names listed below are incorrect and do not belong on my credit report. 

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 non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  ) Has violated my rights! 
XXXX XXXX  XXXX ( XXXX ) has violated my rights! 
XXXX XXXX # XXXX ( Transunion, XXXX ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( XXXX, Transunion ) has Violated My rights! 
XXXX XXXX XXXX XXXX XXXX  has violated my rights! 
XXXX XXXXXXXX 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 2022-04-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 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 permission

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 2022-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I applied for a store Card. Was denied based on a Credit freeze on. The company listed for the credit freeze was " XXXX / XXXX XXXX XXXX XXXX XXXX ''. Upon calling them they didn't have a credit freeze on me. They don't do credit freezes. They looked up the information in their system on me and reported that there was nothing that would cause a creditor to deny me credit. They also had no record of Comenity bank making a credit check. I had unfroze my Credit reports with the three credit bureaus- XXXX, XXXX, & XXXX. Records show that the bank had in fact made a credit inquiry with XXXX on XX/XX/2022. I'm not sure why they fabricated this story about XXXX when obviously my credit was checked with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent XXXX, transunion and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to XXXX, transunion and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
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 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

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