vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
i sent a letters on XX/XX/2022. my tracking is as follows. ( XXXX ) ( XXXX ). to remove personal information that i do not want on my credit repoert. According to the fair credit reporting act 15 USC 1681. i have a right to privacy.

also act 15 USC 6802. it states that no financial institutions is not supposed to share my information to a thrird party people.

these are clear violations of my Federal protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, XXXX and TransUnion that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.

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 2022-06-25 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 was applying for a HELOC on XX/XX/XXXX, with a Financial institution, when I was denied. When I requested my credit report I found over XXXX Unauthorized Inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted all of the creditors also the XXXX major credit bureaus XXXX, Equifax and XXXX that XXXX reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of the CFPB Complaint, copy of my license and a proof of address. I requested a copy of the reinvestigation and a list of the people they spoke to. As of today XX/XX/XXXX, I have not gotten any updates or satisfaction so on XX/XX/XXXX I repeated the process again, all XXXX bureaus told me to get a statement from either the CFPB, FTC OR POLICE REPORT. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy and the bureaus keep posting that it is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: MD

Complaint narrative:
I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( 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
Consumer complaint received 2022-06-25 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: FL

Complaint narrative:
By the fair credit reporting act : XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  bank, acc # XXXX, XXXXXXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.

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 2022-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
Regarding : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

XX/XX/2022 I called to make a one time payment on behalf of a family member for {$240.00}. I specifically, and repeatedly advised their rep to not save my information for future payments, and that is was and one time only authorization. The rep reassured that my information would not be saved. 

XX/XX/2022 Another charge from this company for {$240.00} goes on my credit card. Unauthorized. 

The company has refused to refund my money. They have saved MY payment information to collect debt for a 3rd party without permission. This is fraud and unethical debt collection practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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:
On XX/XX/22 I received an alert from my bank concerning a new inquiry from XXXX. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called Equifax to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from XXXX ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a XXXX XXXX in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to XXXX ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 an account Without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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, Experian 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 XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without 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 2022-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This Medical Debt is being inaccurately reported on my credit report and I am asking the CFPB to have it dropped or removed from my credit report for wrongfully trying to collect a debt that docent belong to me. 

Credit Card XXXX XXXX XXXX XXXX XXXX Balance {$460.00} Opened XX/XX/2021 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have two cards with Chase- ( 1 ) XXXX XXXX ) ( 2 ) Amazon PRIME card. I have never missed a payment. I manage my account online and receive paperless statements. On XX/XX/2022, it came to my attention that my credit line had been significantly reduced. I called to ask why and the customer service person read a form letter that they said they mailed to me - through regular mail. As I mentioned, I manage my account via paperless statements. I had NO IDEA my credit line was - without reason - reduced. Here 's the thing : CHASE can do this and then charge people outrageous " over the limit '' fees. I was lucky, I paid my balances and closed my account. This will impact my credit score. It's a scam- and I want to make you aware of it. I want some kind of action taken -please let me know what I can do to make sure this doesn't happen to someone who has their back against the wall. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: MD

Complaint narrative:
I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$200.00} cash back bonus. I opened this account on XXXX XXXX XXXX. On XXXX XX/XX/2022, when i checked for this {$200.00} bonus, Customer service was unaware of it.

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 2022-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX and his family had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, he fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He has since then re-assessed and corrected his financial situation and wants to save the home that he resides in, desperately. He is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President, or at least an Executive Response Team Member at Mr. Cooper, to have his assistance request reviewed fairly and in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: GA

Complaint narrative:
I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.

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 2022-06-25 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: GA

Complaint narrative:
I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.

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 2022-06-25 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: GA

Complaint narrative:
I have attached an account that is reporting many inaccuracies to my credit reports and and in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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, XXXX XXXX  Account # XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX TransUnion XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXXXXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without 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 2022-06-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX Equifax XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
I have created an account with Charles Schwab. The account included a brokerage sub-account and a high yield checking account. Both were funded by XXXX of XXXX. The account was then locked, requiring verification. I have contacted Charles Schwab on several occasions. Most recently on XX/XX/24 through phone. I have visited a local branch for Charles Schwab in XXXX, Arizona. They did not unlock the account. I have requested that the account be closed, and this was not allowed. The account will not be closed, and funds were not returned to the account which funded these two.

I made two payments of XXXX. One for a brokerage, and another for a high yield checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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: GA

Complaint narrative:
ON XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 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.

According to 15 U.S.C 1681s2 ( 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is a FRAUD And needs to be prosecuted!!!!!! 

I will follow up everyday until upon prosecution of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX you crooks will be held accountable!!! Facts!!!! 

State Attorney General is currently on notice of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX deceptive business practices !!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 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:
According to the supreme court case, Bowen v. Needles national bank XXXX you need to remove all indebtedness from my credit reports

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