vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
Experian, and XXXX are reporting late payments for an account that they are claiming is now charged off while XXXX is reporting it as a charge off with no payment history. How is this even legal? I was never late on the following account XXXXXXXX XXXX XXXX XXXX  XXXX first and foremost, and the information is inconsistent between the XXXX credit bureaus. They were notified twice to validate this account that they are inaccurately reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all XXXX bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is 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 2022-12-08 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: National Credit Systems,Inc.
State: TX

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 National Credit System # 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 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 explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Called my XXXX to advise her that papers were being served for me, XXXX XXXX, and to provide her the phone number and the reference number to give the company a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: FL

Complaint narrative:
I disputed a collections account on my credit report that is not mine. I uploaded documents showing information from the supposed creditor that I do not owe anything as they do not have me on their records what so ever. I have proof I have never left XXXX. The debt collector doesn't even have my correct address or spelling of my name but they keep saying the information is accurate and the debt is mine. If they did proper investigating they would find I have nothing to do with this collection and it is fraud. There are tons of complaints from others on XXXX reviews stating XXXX has done the same exact thing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I received a notification through the Wells Fargo app that I had insufficient funds. This instantly made me check my account and sure enough I had no funds in my account anymore. I saw that there had been two transactions made for {$110.00} and {$120.00} at a XXXX. I called immediately to submit a claim to Wells Fargo and called the number on my card at about XXXX that same day. I let them know that I was not the one who had made those transactions and when I was asked if I had my card physically on me I assured them that I did. They also told me that the transactions were made in the city of XXXX XXXX where I do not live nor was I near by the time of the transaction. I was in XXXX, California calling from inside a XXXX XXXX to Wells Fargo trying to get this resolved as soon as possible and avoid any other fraud to happen to the other accounts that are linked to mine. Later in the week I would call again to get an update on my claim and was told that my case had been closed and that Wells Fargo had denied my claim. There reason for denying me my money was that the transactions made at the XXXX were done using a cards chip. Again I told them that I was not the one who had made the transactions and was told that they could no longer do nothing else. I wonder if they really investigated the claim as they should have considering that I am a customer and they are providing me with a service of keeping my money secure. Both the cameras of the XXXX and the XXXX XXXX should be reviewed to prove that I was not at the XXXX and I did not insert my card to make those transactions. Im convinced that the person or people in charge of my case did not do their job to there full ability as they are required to do and instead insinuated that I lied about the claim by telling me that every chip is unique and can not be replicated.

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i never open or have a, account with this company 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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
My account was plased on a 10 day hold because somone claimed the money they sent me via XXXX  on XX/XX/XXXX was fraud so now the rest of my fund have been on hold for more then 10 days and no resolution on what would be done i have all the proof he sent it but that's not the case i have the rest of my funds on hold XXXX and no answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
XXXX office MBA Law for XXXX placed a collection on my report with no validation. I have never heard of this company or received anything from them, and has never signed my signature or had any contracts or agreements with them. They made my credit score drop. I just happened to see it in my XXXX XXXX app. They are stating the status as open and a collection which if false. Under the XXXX XXXX, I never gave this company any consent to gain access to any medical records. This item is showing reported as of XX/XX/2022. I called the creditor they displayed as XXXX XXXX and was told they have nothing in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
I have contacted Transunion multiple times over the last months. I have used fax, phone and mail to dispute inaccurate items being reported on my credit report. I have also sent paperwork they required with no results in reference to the non permissible inquiries on my credit report. 

XXXX XXXX XXXXXX/XX/2022

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 2022-12-08 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX Experian credit charged my XXXX XXXX card XXXX XXXX I didn't even know I had a account there

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 2022-12-08 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: GA

Complaint narrative:
Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX XXXX XXXX Credit Report Credit Summary Personal Information All Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Derogatory Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) XXXX XXXX XXXX XXXX ) XXXX ( New ) XXXX ( Deleted ) Late Payments ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Inquiries ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Creditor XXXX XXXX XXXX XXXX  New Type Of Business : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXXXXXX XXXX XXXX New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXXXXXX XXXX  New XXXX Of Business : Credit Bureau Inquiries Date XXXX XXXX : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : XXXX XXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you TRANSUNION, XXXX XXXX XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

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 2022-12-08 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: GA

Complaint narrative:
Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX XXXX XXXX Credit Report Credit Summary Personal Information All Accounts ( 57 ) +57 ( New ) -0 ( Deleted ) Derogatory Accounts ( 6 ) +6 ( New ) -0 ( Deleted ) Public Records ( 0 ) +0 ( New ) -0 ( Deleted ) Late Payments ( 1 ) +1 ( New ) -0 ( Deleted ) Inquiries ( 15 ) +15 ( New ) -0 ( Deleted ) Creditor XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MORTGAGE SOLUT New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Credit Bureau Inquiries Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MTG New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, EQUIFAX XXXX XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed these items multiple times and cant seem to get the furnished results as deleted. 
I have no knowledge of these inquiries as a prior victim of identity theft these inquiries should be DELETED.

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 2022-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America allowed a fraudulent charge on a credit card on XXXXThat card was expired on XX/XX/XXXX. The charge of {$42.00} was made by XXXX. If you XXXX  that it comes back with alerts saying it is a scam. This charge never should have gone through. 
BOA then added fees and penalties to this erroneous charge and placed it in a charge off situation. My credit was damaged dramatically. My scores were in the 800 's and they plummeted to XXXX. 
I have been in contact since XXXX of XXXX with BOA trying to resolve this situation. I have been transferred to numerous departments and literally have spoken with dozens of representatives, and made two personal visits to my branch manager at my local bank.

They claim they sent me several notices about the past due situation, however I have never received any documentation from BOA. I was told by one their associates that someone had inadvertently checked a box requesting that I asked not to receive communication via mail. This is NOT true. I prefer to have information mailed to me. 
They reported negative information to all three bureaus. They have a fiduciary responsibility to report my information accurate according to the Fair Credit Reporting Act.

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 2022-12-08 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
How you all doing my name XXXX XXXX XXXX you all today my application was denied for a auto loan with Capitol one auto finance. 
Thats false and misleading they cant deny me with extensions of my own credit I know XXXX the consumer and the original creditor & trying to extend my credit out to them. 
Credit dont matter the laws matter thats consumer law 15 usc 1611.They giving me false information willingly & Knowingly because its public information if its public information they should know it. 
Also they asked for a downpayment thats openly committing fraud its illegal the finance charge is the sum of all charges downpayment Gap insurance and dealer fees that falls under consumer law 15 usc 1605. 

Can you all please reach back out to me asap The application is with XXXX of XXXX Louisiana XXXX Application number XXXX XXXX on bank XXXX XXXX Ext : XXXX Vehicle Vin : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

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 2022-12-08 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:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.

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