vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2022 I noticed an unauthorized account on my consumer credit report. I am requesting to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from Equifax and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: UT

Complaint narrative:
This complaint is made by me XXXX XXXX not a third party company this is my complaint. so i am the victim of identity theft. and i submit the reports to the credit reporting agencies and they didnt remove any of the accounts.

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 2022-12-24 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: UT

Complaint narrative:
This complaint is made by me XXXX XXXX not a third party company this is my complaint. so i am the victim of identity theft. and i submit the reports to the credit reporting agencies and they didnt remove any of the accounts.

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 2022-12-24 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 with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 explanation
Consumer complaint received 2022-12-24 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 with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-12-24 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 with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a withdrawal check at XX/XX/XXXX of {$250.00} from Citi bank. The check date is XX/XX/XXXX. I didn't even know the person who cash my check. Plus it's from XXXX, Citi bank shouldn't let them cash it anyway. I call Citi to fix the case. Yet, until today, there's no response.

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 2022-12-24 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: OK

Complaint narrative:
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXX XXXX  # XXXX 1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] 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 conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX, Freedom Mortgage called me, having recently purchased the servicing rights to my mortgage loan to check in. While on the phone, they offered to take my mortgage payment over the phone, although I had already set up payment through their online portal. While on the phone, they said the payment went through. A week later, they called to tell me the payment had been reversed- on that call I repeated my checking account information to make the payment that had been reversed. After a series of 4 phone calls with customer service, finally resulting in their listening to the recording of the phone conversation, they determined that the agent had entered the information incorrectly and had failed to repeat the account number back to me to allow me to notice the error. They therefore determined that the {$30.00} insufficient funds fee they were attempting to charge me should be reversed, since the error was entirely theirs. However, three weeks after admitting fault, the charge is not removed, and now customer service is saying that it will not be reversed.

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 2022-12-24 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: Chime Financial Inc
State: FL

Complaint narrative:
On Saturday XX/XX/2022 I noticed my checking account balance was unusualy low...... .upon checking account transactions, I noticed a withdrawal in the amount of {$2400.00} by Chime4 which was not authorized and who I never done business with before. I contacted Chime at XXXX, I spoke with a gentleman, explained my complaint, he requested private information such as social security # which I refused to provide over the phone. Matter was not resolved since he could not help. I am XXXX XXXX XXXX on a fixed income, it is a significant amount to lose for me, please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Lugano Capital, Inc. d/b/a Start Auto Finance
State: FL

Complaint narrative:
I went to the dealership and spoke with XXXX  in XXXX about incorrect status that's on my credit repot that says charge off /closed she advised me to send a letter in to have the correction made to PAID because the car is paid off I sent a letter in XXXX to XXXX no response I sent a second letter XX/XX/XXXX to start auto directly which they received it on XX/XX/XXXX its now XXXX the correction has not been made and I been calling XXXX to fix this correction and now I can't get in contact with her and I never received nothing in the mail indicating that its getting worked on or nothing

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 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I disputed a charge with XXXX  claim number XXXX amount XXXX. I moved me and my daughters furniture from XXXX XXXX XXXX XXXX. Upon arrival my things were wet & broken and had to be thrown out. Due to this I submitted a dispute since XXXX wouldnt help. My bank was supposed to do an investigation and ultimately denied my request due to previous transactions. No investigation was done they just looked at my accounts negative balance and denied me. When asked for proof they to from XXXX to XXXX even though they were asked multiple times for documentation as to why the dispute was denied. Next I had a incident where I attempted to rent a car here in XXXX  but was turned away the place XXXX  says they dont rent to XXXX XXXXXXXX but it doesnt state that one the XXXX website nor did they offer me my money back. I was told at XXXX  to contact XXXX and XXXX told me to contact XXXX So I went to my bank for a dispute claim id XXXX total amount XXXX they claim they did a investigation and it was found that I actually did get a car which is false I appealed and sent a picture of the document that was given to me at the XXXX location and my claim was still denied. I believe I am being treated unfairly because I usually file disputes when I have a issue which is often.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: VA

Complaint narrative:
I submitted an online claim to Wells Fargo regarding an unauthorized charge to my debit card on XXXX/XXXX/22 and allowed for a 30-day settlement. As in the past, I forwarded the Wells Fargo Claims Assistance Center a copy of my communication w/ the merchant and other entities involved w/ the transaction to aid in making the right decision. A copy of my XX/XX/XXXX/22 letter to the Claims Assistance Center is attached. 

As in the past, I followed up w/ the Claims Assistance Center a week prior to the 30th day outstanding to get a feel for where things stood. Upon being informed that the bank ruled against me on the basis of input from Visa, I filed a formal complaint and Request for Review w/ Wells Fargo Claims Assistance Center SVP XXXX XXXX XXXX Copies of the XX/XX/XXXX22 communication w/ the Merchant and other entities were included as enclosures. A copy of my XX/XX/XXXX22 letter to SVP XXXX is attached. 

After not hearing back w/in the 30-day timeframe allotted for a response from SVP XXXX, I called the Claims Assistance Center on XX/XX/XXXX to inform them that Visa played no role in the decision regarding my XX/XX/XXXX22 claim and that I felt the bank erred in deciding against me based on the facts captured in the supporting documentation submitted. 

The boisterous female representative I spoke w/ indicated the decision would not be reversed in the absence of alternative proof of payment. Since this response totally differed from the initial reason provided for the bank 's decision, I ended the call and decided to seek review of the bank 's decision by the CFPB.

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 2022-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a letter from Bank of America dated XX/XX/22 that stated that there was an application submitted with my information and they needed me to call to confirm.

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 2022-12-24 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: SC

Complaint narrative:
Account Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account : XXXX ( XXXX XXXX ) is being reported as an OPEN account by XXXX XXXX but being reported as a COLLECTION according to Experian. A balance and past due balance of {$190.00} is being reported along with it being reported as a COLLECTION. The last day active is being reported as XX/XX/21 for XXXX, and XX/XX/21 for Experian which means this debt has not been validated. This debt has also been bought by a 3rd party debt buyer without my permission. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL XXXX reporting standards and this account removed upon completion. 

Sincerely, 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 2022-12-24 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: OH

Complaint narrative:
Credit inquires, XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX? XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: CBC Companies, Inc.
State: SC

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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation