vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 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 XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/2023 there was a hard credit inquiry XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an 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 2023-01-01 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, XXXX and Experian has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an 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 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX company name : XXXX XXXXs 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 2023-01-01 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: MI

Complaint narrative:
in accordance with the fair credit reporting act XXXX account name XXXX XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A SECTION 2 : IT ALSO STATES a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX  account XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY 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 2023-01-01 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: SLM CORPORATION
State: SC

Complaint narrative:
I did not applied for a student loan with Sallie Mae. In XXXX of 2022 I receieved a statement from Sallie Mae and reported the fraud. I did not authorize them to pull my credit nor did I co-sign on any student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Settled debt at lowered amount with synchrony bank, they only applied settlement amount as payment. The debt was settled on XX/XX/22, the original debt was XXXX and settled for XXXX. Confirmation for this transaction was XXXX. 
Another account was settled on the same date for XXXX, with an original debt of XXXX. Confirmation number for that transaction was 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 2023-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MS

Complaint narrative:
My mortgage has been sold several times since our purchase of the home in XX/XX/2022. The last payment we sent in XXXX was to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX. My point of contact at XXXX XXXX Mortgage has been XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating my loan had been sold to XXXX XXXX XXXX and to send payments to XXXX XXXX XXXX XXXX XXXX, VA XXXX. Also on XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX stating they want my payment and to mail it to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; Payment due XXXX XXXX. I immediately picked up the phone and called XXXX XXXX to ask if the company was LoanCare , LLC or XXXX XXXX XXXX XXXX XXXX. I got her voicemail so left a detailed message and asked her to call me back. I called XXXX again on XX/XX/XXXX, and once again got her voicemail. I refuse to send a large mortgage payment to an unverified source. Please help me determine who is the owner of my loan and where I should direct my payments.

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 2023-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
I have never had any contact with the current parties requesting me to pay off a debt of XXXX XXXX The two companies are XXXX XXXX XXXX, and the debt collection agency is Hunter Warfield. Somebody got a hold of my social security perhaps and opened an account or loan/lease for an apartment at XXXX XXXX XXXX I have never physically and personally signed and paper work nor have I given any information about living at that specific location and I have never lived there at all. This debt does not correspond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is refusing to follow federal law and honor my police report identifying a fraudulent account that only Equifax is reporting. Equifax before investigated the fraudulent account and removed it after a XXXX investigation from my credit report to now months later begin re-reporting the fraudulent account. 

Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX  XXXX XXXX. The Equifax representative said once received it would be removed again. Instead, it is still being reported, and I received a letter to mail from Equifax in response to the investigation to now mail-in in a copy of my drivers license and social security card ( both of these items were included in the first XXXX disputes ). This is stressful and exhausting the duration that it takes to correct fraudulent information from my credit report. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated, determined to be fraudulent and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

I am mailing in a copy of my social security card and drivers license in response to Equifax 's request and I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: IL

Complaint narrative:
There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.

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 2023-01-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on Experian and XXXX. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with Experian and XXXX requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.

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 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: CT

Complaint narrative:
On multiple occasions Credit Karma has pre-approved me for credit cards when thats wasnt the case. I would then proceed to apply and get turned down in the end. Its very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc
State: IL

Complaint narrative:
After receiving five letters back to back from UNITED RESOURCE SYSTEMS I responded to all letters with the reason and information that the amount you have sent is wrong and I am in contact with XXXX XXXX ( the company referred the matter to United Resource services ) company to resolve it. 
I explained to United Resource Systems that my former employer did not pay my wages and entitlements and as a result, I am disputing their bill. 
I even sent two times my communication with XXXX to United Resource Systems to show them that I am trying to reach out to XXXX XXXX XXXX to sort out the response. 
They did not respond to my requests. However, United Resource Systems reported a disputed bill to Credit Reporting Agencies. I even contacted United Resource Systems and after clarifying the nature of the dispute I asked them to remove the incorrect credit reporting. They did not take action and just keep sending the same letter over and over. 

On dates XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I have reached XXXX and United Resource Systems by mail and on three occasions by phone during that period to try to solve the matter. However, they chose not to respond and report the disputed bills to Credit reporting agencies to damage my credit score and consumer report. 

The disputed bill is {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This bank is the most disrespectful and incompetent bunch of people I have ever seen in my life. I had XXXX transactions that charged multiple times and it has been over a week since these transactions have been pending. The correct transactions have posted, yet Wells Fargo refuses to release the $ XXXX of my money that they think they are entitled to keep for themselves. I reached out to the bank and was forced to deal first with someone in another country who barely spoke XXXX and then by an XXXX XXXX who told me that the only thing she would do was file an authorization for these incompetent XXXX  to continue sitting on my money for another XXXX  days. I am sick of this and I want my money refunded NOW. If it is not back in my account by the end of XX/XX/2023, I will be filing legal action against Wells Fargo for refusing to return my money.

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 2023-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was receiving help from a local XXXX, GA company located downtown about being behind on mortgage payments in 2018 to Wells Fargo. After submitting all the required information as requested by multiple associates with Wells Fargo we were informed that our efforts did not meet the deadline, and Wells Fargo foreclosed on my property in XXXX of 2018. The representative who provided assistance from XXXX, GA attempted to contact higher management at Wells Fargo in XXXX, GA to present all documentation, faxes, and email traffic which disclosed I could have made multiple payments {$2200.00} to stop the action but we were notified not to proceed with the action until further information was processed to ensure accuracy with my account. I was behind three months which at the time was roughly {$3300.00} and my three daughters and I were uprooted from our home of eight years based on someone's negligence or lack of concern for another individuals plea for 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 2023-01-01 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: CA

Complaint narrative:
Ran a credit report a the experian credit report showed theres a collection from a company where it states I owe XXXX dollars to an account opened in XXXX XXXX. This is not possible because I was on XXXX and out of the country around that time. I did not open any accounts with the company that made the erroneous report. I filed a dispute with Experian and after around 2 weeks, they deemed their report as accurate saying that the company stated I have an account. This is not accurate. I have never opened an account wherein I have a collection made against me.

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 2023-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I purchased an XXXX XXXX from Jared XXXX with my XXXX  present, I was about to pay cash and the counter salesman made me an interest free offer on a store credit card for the first year, through Jared XXXX bank, Comenity Bank He did not mention that the interest for the entire year would be added retroactively at the end of the year if the balance weren't paid in full. 

On XX/XX/2022, they added a {$1400.00} charge without notice or warning. 

I'd been told the first year was interest free as long as I maintained payments, nothing more. 

This offer was misleading, it was used to solicited me to take out a credit account I had no need for when I walked into the store, the offer was made in a way to mislead me to think there would be no interest on the first year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: IN

Complaint narrative:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act convergent account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation