vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX. XXXX - XXXX XXXX XXXX Equifax  / XXXX. XXXX - XXXX  - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXX. XXXX - XXXX XXXX XXXXXX/XX/2021 Equifax / XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX / XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have 
failed to maintain reasonable procedures in your operations to assure maximum possible accuracy 
in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% 
accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information, therefore, needs to be re-investigatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account status: OPEN 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other 
instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely 
inaccurate and incomplete, and as such represents a very serious error in your reporting. Please 
delete this misleading information and supply a corrected credit profile to all creditors who have 
received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or 
other subscribers.
Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the 
description of the procedure used to determine the accuracy and completeness of the information is 
at this moment requested as well, to be provided within fifteen (15) days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NC

Complaint narrative:
Experian is continuisly reporting 2 fraudulent accounts ( XXXX XXXXXXXX XXXX  and XXXX XXXX  ) which I've seen that both have terrible business practices they were removed from XXXX and XXXXThese fraudulent accounts need to be removed from my report immediately so that this doesn't have to be resolved by judicial system. These remarks on my crefit file been very damaging to my finances, character and mental.

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 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
Hello! 

On XX/XX/2021 I submitted a complaint about Check In To Cash debiting my account after I had revoked ACH Authorization ( complaint XXXX ). After reviewing my bank account today, I see a debit from them again. Im not sure what else I can do to get them to stop getting in to my account. Help would be appreciated. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/22 I noticed on my credit report Money Lion INC, Ive never opened an account for a partially secure loan with Money Lion. This is also a closed account reporting with a late payment date which makes no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Per the attached multiple responses from Wells Fargo, no additional information being provided by me, XXXX XXXX, which is a false statement. Wells Fargo is taking advantage of me and my language as being born outside of US. Multiple cases : case number XXXX, XXXX, XXXX, XXXX pertaining to my dispute about closing my deceased husband business account with Wells Fargo and distributing all funds on the business account to me as his only available heir ( in absence and missing information to me pertaining to other owner/owners of the LLC ) XXXX Those multiple cases were opened with constantly changing specialists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. No wonder that due to the changing hands those specialists were unable to locate the submitted information from Wells Fargo XXXX at XXXX XXXX by personal banker during my appointment, and that last reply is not more than a pure lie. The Certificate of Termination of a business entity XXXX Weapons Systems issued from TX XXXX of XXXX on XX/XX/2022 ( that would be required have the consent from other owner/owners if they really are existed ) was passed thru all statutory compliance as said on the documents presented, otherwise the termination of XXXX could not be accomplished. After the death on my spouse/sole business owner of XXXX Tech Weapons XXXX XXXX XXXX XXXX XXXX to be found of other business owner/owners information I had no choice but to have all control over the entity to deal with incoming requests after my spouse death about sales tax, franchise tax, IRS, payroll tax. If other business owners really would exist they have to deal with business matters like this, not me. 
I am not aware of any partnerships between my husband and others, and dont have information about other business owners place of residence, no contact information to get in touch with them. Wells Fargo is unable or refuse to provide me with their contacts to resolve the dispute. To my knowledge the XXXX XXXX of Wells Fargo bank has been contacted and he does not see any problems to change the ownership on this business account due to those special circumstances and distribute 100 % of the remaining balance to me, but other departments seems to be not in sync with 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 2022-03-21 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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.

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 2022-03-21 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: ERC
State: FL

Complaint narrative:
On XX/XX/2018, Enhanced Recovery CO L., added a derogatory remark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced Recovery CO L, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: GA

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
An inquiry was made on my XXXX credit report on XX/XX/2021 by a company called New Rez. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with XXXX XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 1234, 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. 

Fraudulent Inquiries : XXXX 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 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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I had a fraudulent charge on my card. I filed a dispute that was denied by Chime. I was able to file a second dispute that took up to 45 days to review, which also ended in a denial. Despite the fact that I've told them that I did not authorize this charge on my card, I was told they found nothing wrong and refuse to cover the fraudulent charge of {$110.00} to King Soopers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Never received loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Tried to open a credit card online and a checking account put dob ssn picture of ID. capitalone said they could not verify and they could not find my application and website said they would send an email. No got any email. Sounds like a fake website trying to get your personal info and picture of I'd to steal identity or worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation

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 2022-03-21 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: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation

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 2022-03-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

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 2022-03-21 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OR

Complaint narrative:
The company has 2 charged on my profile. I closed my cable account and returned box yet not only did they still charge me they added an additional collection, no idea what for. This amount owed as stated, two times, is not 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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Albert Corporation
State: OR

Complaint narrative:
I received a card from this company in the mail today that I did not apply for. There is already a freeze on my account so I am unsure how they were able to open a card in my name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation