vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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:
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.

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 2023-08-14 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: PA

Complaint narrative:
My Identity was stolen and there have been unauthorized credit cards and loans opened in my name and reported to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: PA

Complaint narrative:
My Identity was stolen and there have been unauthorized credit cards and loans opened in my name and reported to credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Mortgage companies are not honoring contract n misapplying payments for 17 years and refuse to correct principle amount due. Refuse to acknowledge fee paid at closing to lock interest rate. 

Also refuse every dispute i file with credit reporting agencies. 

Would like some help with this. 
I shouldnt have to file suit in court to get them to do their job n fix their mistakes of misapplied funds over 17 years.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-14 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: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: NJ

Complaint narrative:
As of XX/XX/2023 Experian, XXXX and XXXX corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.

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 2023-08-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Why are you continuing to report this account when I notified you that the company has agreed to remove it from my credit report? You failed to conduct an investigation, even when I sent proof that my identity was stolen as well as the debt delete letter from the company. XXXX has since removed this account, yet you are still reporting it when all data furnished should be consistent. If this is not removed from my credit report within 7 days, I will be seeking monetary compensation and taking this to small claims court due to negligence and 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 2023-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
EQUIFAX DISRESPECTS CONSUMERS! I DID NOT NEVER AUTHORIZE FOR A BLOCK TO BE ON MY CREDIT PROFILE FOR NO PROMOTIONAL SERVICES! IF I DID NOT AUTHORIZE THAT WHY IS EQUIFAX PUTTING THE BLOCK ON THERE ON THEYRE OWN? CANT NEVER GET THROUGH AUTHORIZATION WITH EQUIFAX NEVER! YALL HAVE CONTROL OF PEOPLE LIVES IN THIS SYSTEM AND DISRESPECT PEOPLE LIVELY HOOD WITH THIS INCOMPETENT SYSTEM. YOU TAKE MULTIPLE PICTURES SUMMIT IT AND STILL CANT BE VERIFIED WITH YOUR OWN CREDIT PROFILE. ITS HORRIBLE AND VERY VERY DISRESPECTFUL TO CONSUMERS AND IM GON NA SUE EQUIFAX! MAYBE YOULL UNDERSTAND THEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NM

Complaint narrative:
I was informed by an insurance company that I was not given the best rate due to information supplied by LexisNexis. I contacted LexisNexis at their designated contact point ( an online website ) on XX/XX/203. On XX/XX/XXXX I received a letter, that directed me to a web URL to see my report with a PIN ... .which did not work. 

I called LexisNexis ( LN ) on XX/XX/2023 to report this broken system, and was told all I could do was await a written copy of my file in the mail in 7 to 10 more days. I was also told this was a known issue - that many people were unable to see their reports. 

I received another letter on XX/XX/XXXX. Inside were 7 pages of 'boilerplate ' ( frequently asked questions, how to request an investigation, a summary of the FCRA XXXX etc )- but NO CREDIT REPORT. 

I called LN on XX/XX/2023 and spent another 45 minutes trying to get the report I have a right to. I am being told now that all they can do is again request the report be printed and sent. I requested an emailed copy, but denied. I requested that they send this second printed report via XXXX  or other overnight carriers, and was denied this also. 

None of this behavior is in either the spirit nor the letter of the Fair Credit Reporting Act. 
I believe there is inaccurate information in my report, and I am being denied access to it. 

I feel I am entitled to compensation for the 2 hours I've spent trying to get this report, when it should be available very simply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I sent an email to the CEO of XXXX XXXX  on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXXXXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a Transunion alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, 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 2023-08-14 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: HI

Complaint narrative:
I sent an email to the CEO of XXXX bank on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a XXXX alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, XXXX XXXX, XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: HI

Complaint narrative:
I sent an email to the CEO of XXXX XXXX  on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXXXXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a XXXX alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, 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 2023-08-14 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: ME

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.

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 2023-08-14 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: ME

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX  Wells Fargo illegally paid out from my Wells Fargo checking account that is clearly fraudulent. " Proof of Payment '' to an American Express account made by " XXXX XXXX '' in amount of {$4500.00} ( attached ). Post filing fraud complaint with Wells FargoXXXX XXXX, Wells Fargo claimed this is a legitimate payment and no further action taken. This is in direct violation of Consumer Financial Protection Bureau ( CFPB ) section 1005.6 Liability of consumer for unauthorized transfers. 

XXXX records shows I have no American Express detailed in XXXX XXXX contrary to what Wells Fargo claims. XXXX shows no open American Express accounts belonging to me for 20 years. Wells Fargo claims ( ref XXXX ) the IP address originates from Nevada thus a valid transaction. 

Wells Fargo claim using IP address covers all Nevada and does not refute their own proof of payment facts that are shown in their records. 
1. Who is " XXXX XXXX XXXX who made this transaction as seen in proof of payment? 
2. Why is the address shown on proof of payment over 20 years old and no longer valid? 
3. Show me which account that was paid to American Express. I've contacted

American Express and they have no record of this payment. 4. American Express is not listed i
n my bill pay ( per Wells Fargo claims ) for decades.

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 2023-08-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-14 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: CA

Complaint narrative:
I am disputing a fraudulent inquiry on my credit file from XXXX XXXX. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with Experian as well as contacted XXXX  and requested it to be removed and any cards canceled

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 2023-08-14 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:
account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. at this point I feel as if I am being bullied! 

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

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