vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 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: CA

Complaint narrative:
On XX/XX/22, I sent Trans Union a dispute regarding personal information they are furnishing that is not accurate. Trans Union is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information. I have notified Trans Union that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with. Trans Union only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Trans Union did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Trans Union is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Trans Union regarding my dispute. I did not give Trans Union permission to furnish this information in any consumer file or consumer report concerning me. I also requested full disclosure of the consumer file concerning me in Trans Union 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. I provided Trans Union with a copy of my ID and a current bill showing my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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:
In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A 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 2022-04-05 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: CT

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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: CT

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CT

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A 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 2022-04-05 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: CA

Complaint narrative:
In accordance to the Fair Credit Reporting Act these two companies have violated my rights ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 SECTION 602A states I have the right to privacy.

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 my car was broken into and my debit card, license and other materialistic things were stolen. The person who stole my debit card proceed to go to a XXXX XXXX located in XXXX XXXX, XXXX The transaction ran as credit and the purchased was authorized for XXXX dollars. I called my bank ( Wells Fargo ) and asked for it to be disputed and to get my money in return since I did not authorize this transaction. The bank opened a claim and closed the case and denied it twice. The bank told me since it was a debit card they cant help me. Although I had video surveillance of my car getting broken into and a police report, the bank still refused to give me my money back. They told me to go to the store they made the transaction at and the manager told me to go to my bank that they should be able to fix the problem. I called their customer service line and the same thing they said to go to my bank. I text the service line, once again Im told to go to my bank. Both parties are not helping me out when I have proof of everything

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 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
On XX/XX/2015 we paid XXXX XXXX XXXX credit card {$640.00} to be paid in full as we were in the process of buying a home for the first time and needed to create some credit ratio. Clearly states this for fact and a bank statement I hold my hand right now. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attorneys at law for the course of seven years have been claiming that we owe XXXX XXXX and this is not so. Also they have reported this as a default and bad debt for 7 years which is completely false. I have been a victim of identity theft most notably from the XXXX data breach to which nothing has been formally ended or recovered. The sXXXX XXXX XXXX XXXX XXXX also use Portfolio Recovery Associates LLC two attempt to claim this debt that didnt exist. I have a court docket number XXXX to where they took me to court that I didnt even know was happening because of no paperwork or being served and want to judgment on this amount. Please help me in recovering my credit files to what they should be and also I believe I am owed a sum of money for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime closed my account & didnt give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/22 someone went into a branch a took XXXX from my account ( as they recall ) It wasnt me and I dont know how this could have happened But Wells Fargo denied my claim cause of everything that the person committing the fraud did right by using my card and id to say the signatures match which is impossible if I never went into a branch I feel this is fraud on the banks behalf for holding me accountable for this fraudulent transaction If theres anyone who understands my problem Im asking for help please This is my hard earned money Please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NM

Complaint narrative:
Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about 6-8 months ago roughly. The debt dates are also inaccurate stated the debt was XX/XX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} Collection Company : Synergetic Comm. Inc  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I called this company about the amount they say I owed and to try and settle after they say I owed a lady said that threatened me saying they was gon na see me and take legal action if I didnt pay within XXXX day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: GA

Complaint narrative:
I was told that the debt belonged to me and the only way to get it off of my credit was to pay it. It was only {$67.00} so I did. They wrote it as paid and never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NM

Complaint narrative:
Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about XXXX months ago roughly. The debt dates are also inaccurate stated the debt was XXXX/XXXX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 explanation
Consumer complaint received 2022-04-05 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:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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