vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These addresses are not mine. I have never lived at XXXX XXXX XXXX XXXX Georgia ( this is my sister XXXX XXXX address ) nor at XXXX XXXX XXXX XXXX  XXXX XXXX Georgia this is XXXX XXXX address. Im dealing with identity theft connected to both addresses and the credit bureaus have refused to delete them because they are connected to accounts, but the accounts are fraudulent

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 2023-07-24 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: IN

Complaint narrative:
I have tried several times to resolve these fraudulent accounts. 
The investigation into these fraud accounts was not properly conducted according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera 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. 
They did not do this. 

Also, they have violated my rights even more with continuous reporting these fraud accounts to my credit file. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. These are fraud accounts. 
The Credit bureaus stated my account was properly investigated but how is that possible with no accuracies? 

They are also violating the law at this point, according to 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. 

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
Consumer complaint received 2023-07-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX  XXXX and a XXXX XXXX XXXX that arent 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 explanation
Consumer complaint received 2023-07-23 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: OH

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 XXXX XXXX XXXX. 
Account name 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 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 explanation
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: OH

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. 
Account name 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 the Information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Ive disputed these item numerous time back I. XXXX and XXXX creditor agreed to remove it from my credit report and it still showing when I have no knowledge of the account

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 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX. My problem started with Wells Fargo around XXXX when creditors would debit my account and the fund weren't available Wells Fargo allowed the attempted debits to continue charging my overdrafts fees ( {$37.00} ) with every debit attempt after my paychecks were directly deposited I would have nothing left I recall having to go into my retirement to pay the rent

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 monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
About 4 months ago I opened a Citi Bank bank account. A few weeks later on XX/XX/XXXX I got an email saying that my accounts would be closed and that they would send me my money within 60 days. 
This was 3 months ago which is more than XXXX ( business ) days. Every attempt to figure out where my money is and how I can get it back failed. Actually, employees in the branches can not help and say I need to call the hotline and when calling the hotline you just get connected from XXXX person to another until someone says they can not help me and they don't know what to do next.

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 2023-07-23 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Ive disputed these item numerous time back I. XXXX and XXXX creditor agreed to remove it from my credit report and it still showing when I have no knowledge of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened an account for a JPMCB Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. 

Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. 

I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. 

It been over XXXX since these, XXXX of a kind, occurrences and my XXXX score is still about XXXX below its typical value. 

This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of XXXX decrease my score by XXXX points. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: MD

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

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the attached inquiries for violating 15 USC 1681 c-2.

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 2023-07-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX SENT ME AND EMAIL STATED THAT THEY NEEEDED MORE INFORMATION INTO FIXING THE PROBLEM ON MY EQUIFAX CREDIT REPORT . SECOND FOR THE LAST 3 MONTHS IM NOT ABLE TO PURCHASE EQUIFAX PRODUCT PLAN TO CHECK MY CREDIT REPORT OR SCORE ON A DAILY BASIC . EVERYTIME I USE MY CREDIT CARD TO PURCHASE THE PRODUCT IT GET DENIED OR I GET SOMETHING THAT SAYS A TECHINAL PROBLRM OR  BLINK . I AM NOT ABLE TO GET ON TO SEE MY CREDIT REPORT ON  MY EQUIFAX .  THE ONLY THING  IT SAYS THAT I DONT HAVE ANY ACCOUNTS THAT IS OPEN THAT INCLUDES REVOLING ACCOUNTS AND INSTALLMENT ACCOUNTS  WHICH I HAVE 10 OPEN REVOLING ACCOUNTS AND I HAVE INSATLLMENT ACCOUNTS OPEN ON MY CREDIT REPORT . I DONT HAVE NY ISSUES LOGGING IN ON MY ACCOUNT THE ISSUE IM HAVING IS I CANT PURCHASED ANY PRODUCT BY USING MY CREDIT CARDS WHICH IS ON FILE WITH MY OPEN ACCOUNTS . I CALLED IN SEVERAL TIMES TO EXPLAIN THE ISSUE AND I GET THE RUN AROUND . EQUIFAX STATES THAT THEY NEED DOCUMENTAION TO SHOW PROVE OF MY IDENITY SO I HAVE INCLOSED MY VIRGINIA DRIVER LICENSES FRONT AND BACK AND MY SOCIAL SECURITY CARD FRONT AND BACK AND I ALSO INCLOSED MY ADDRESS MY MAILING ADDRESS AND MY THE ADDRESS WHERE I LIVE. CAN THEY UPDATED THAT CORRECTLY ON MY CREDIT REPORT NOT SURE IF MY CREDITOR UPDATED THIS WITH EQUIFAX . MY MAILING ADDRESS WIWTH ALL MY MAIL GOES TO XXXX XXXX XXXX XXXX XXXX XXXX  THEY DONT HAVE MY RESIDENT ADDRESS ON MY EQUIFAX CREDIT REPORT CAN THEY ADD THAT WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX . I HAVE  ENCLOSED PROOF OF MY ADDRESS ONE IS FROM VIRGINIA CREDIT UNION MY  BANK STATEMENT WHICH IS MY MAILING ADDESS FOR ALL OF MY CREDIT CARDS ON FILE SO CAN THEY UPDATE THAT CORRECTLY . SECOND I HAVE ENCLOSED A LETTER FROM THE POST OFFICE THAT SHOWS MY RESIDENT ADDRESS WHICH THE ADDRESS IS NOT ON MY CREDIT REPORT . CAN THAY ADD THAT TO MY FILE I ASK ABOUT THAT SEVERAL TIMES AND NOTHING BEEN DONE.    ALSO MY XXXX XXXX  CARDS  HAS NOT BEEN UPDATED CORRECTLY AS OF XXXX XXXX XXXX  . ON MY OTHER CREDIT FILES IT BEEN UPDATED ON XXXX  AMD XXXX XXXX CORRECTLY , CITI CARD ONE SUPPOSED TO BE UPDATED ON XXXX XXXX AND THE OTHER SUPPOSED TO BE UPDATED ON XXXX XXXX . NEITHER OEN BEEN UPDATED AND I PAYED BOTH ACCOUNTS OFF WITH A ZERO BALANCE ON BOTH CAN YOU GET WITH THE CREDITOR ABOUT THIS .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my XXXX letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another XXXX letter.

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 2023-07-23 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: EQUIFAX, INC.
State: SC

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act accounts XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, has XXXX XXXX XXXX XXXX 

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 2023-07-23 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Someone tried to get jewelry Im assuming because I have an inquiry from comenity bank/XXXX  claiming I applied for jewelry and I didnt. They also have inquiries for bank cards that I never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU is liable for {$260.00} on a purchase I made from XXXX XXXX on XX/XX/23. 

RBFCU erroneously investigated my dispute with XXXX XXXX and inexplicably, incompetently deemed the charge " valid ''. 

This despite the information I provided in which I said I DID NOT RECEIVE THE MERCHANDISE. How can a transaction be valid if I did not receive the merchandise, according to standard contract law? 

I told the person who recorded the dispute that : XXXX. I went to pick up the item ( cream cheese frozen ) and it had not been refrigerated at the XXXX location. I asked why they did not refrigerate the product and the XXXX representative said that " they did not have a refrigerator ''. I promptly told the XXXX representative that I did not want the product because it was spoiled because they did not refrigerate the product properly. 

XXXX. I contacted the seller XXXX 's XXXX and told them that I wanted my money back because they sent me cream cheese that had not been properly refrigerated when I went to pick it up and was as a result, spoiled. Therefore, I REFUSED THE SHIPMENT OF CREAM CHEESE AND DID NOT PICK IT UP. 

XXXX. XXXX 's XXXX said that they would talk to XXXX. I never heard back from XXXX 's XXXX and contacted RBFCU to get my money returned to my account. 

XXXX. The fault is with both the shipper ( XXXX 's XXXX ) for not telling XXXX to refrigerate the product AND with XXXX for not refrigerating the product after they received it. 

XXXX. I promptly contacted RBFCU after the holiday, to find out how the charge had been found valid and was told that there was nothing that could be done. Somehow, the person who recorded the dispute did not correctly record the important information which would make an analysis of the charge straightforward. That is : THE CUSTOMER DID NOT RECEIVE THE PRODUCT AT ALL. 

Unfortunately, RBFCU seems to have compounded the problem by somehow erroneously determining that, despite the fact the cream cheese was spoiled when I went to pick it up, through no fault of my own, and I did not in fact receive ANYTHING for my {$260.00} the charge was somehow " valid ''. 

This demand letter therefore is precursor to legal action to recover all damages from RBFCU 's egregious breach and violation of their fiduciary responsibility to protect my legitimate use of the RBFCU debit card against fraud from the vendor XXXX 's XXXX. 

Full payment in the amount of {$260.00} for the violaton is now due and payable to XXXX XXXX. 

Also, XXXX XXXX now demands that RBFCU explain the incompetent analysis of the charge, and resulting egregious erroneous error in not returning my {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: EQUIFAX, INC.
State: MD

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

XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX : XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: MD

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, Waypoint resource group : 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 explanation