vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX Name ; XXXX XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX ADDRESS : XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date U Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX Name ; XXXX XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX ADDRESS : XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date U Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 2022-06-23 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: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
I lost my wallet someone was trying to get credit cards in my name applying for all kinda stuff..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I lost my wallet someone was trying to get credit cards in my name applying for all kinda stuff..

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE!

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems placed 8 credit issues on my account. 5- {$210.00}, 2- {$220.00}, and 1- {$420.00} with the exact account # XXXX. I reached out to them a while back and they could not verify my information. To see what was the amount that I owe. I appears to be an amount from XXXX XXXX XXXX XXXX. I filed a complaint with XXXX to get this removed. They show XX/XX/2022 being the status date. This just appeared within 6 to maybe 8 months ago. Very upset and want to see what's my legal rights to this form of harassment.

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
There was a car loan opened with someone in my family. They paid off this account and before that they filed bankruptcy. This was in XX/XX/2015. This account was put on my account and I had no knowledge of it. I have tried to fix it with the credit bureaus, even after the seven years and they have done nothing to fix the situation. The company is GM Financial and they are not accurate. They also gave this inaccurate Information to a third party. The XXXX account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2020 I made a domestic transfer with XXXX cash bank to my Chime debit account in the amount of {$11000.00}. Chime declined the transaction and Reversed it back to XXXX  cash. XXXX  cash is telling me since it was sent as a merchant refund they cant locate it. Chime needs to send reversal transcript information with the tracing information and Ref number. Neither is trying to help me out and give me a hard time. Ive been missing XXXX dollars for the last 2 years Ive worked hard to save up for. Can somebody please make XXXX XXXX  or chime locate the proper information that I need to recover my transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2022-06-23 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: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act Ch. 13 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act Ch. 7 : Account # XXXX, has violated my rights. DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXXInaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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.

References : htt
ps : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
My problem is with XXXX XXXX XXXX, It is a fraudulent company. 
It never allows me to get online and see my account. 
They consistently increase my balance and I haven't used my card. They only send spam and the online acct system NEVER works so I can nerver see my acct. 
It always sends me and all customers SPAM emails about late payment but my payments are not late. I have to call in my payments My last payment was on XX/XX/XXXX for {$68.00} by phone and and one week later they mailed me a letter and a bill for {$150.00} saying I was late but my next payment wasn't due till the end of XXXX. 
They frequently claim their system is down and can not give account info and as of this month ( XX/XX/2022 ), they say this to their customers everyday. 
They also refused to close my account and continue to raise my balance even though I have not used my card in months.. 
I have also reported them to the XXXX  I am trying to build my credit after Covid and I don't know what to do I just want to close my account ASAP Thank You

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 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while XXXX and Transunion report it as a collection/charge off. Transunion and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while Experian and XXXX report it as a collection/charge off. XXXX and Experian are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I received an email on XXXX XXXX from PayPal through my email but addressed to my brother. It had an invoice attached for the purchase of bitcoins, amount was {$620.00}. Neither my brother nor I purchased any bitcoins. My brother doesnt even know what they are. 
I sent an email response saying that I did not authorize the purchase of any bitcoins. Also requested that the invoice amount be voided and deleted, otherwise I would contact legal resources. 
I also decided to call the phone number on the invoice for assistance. I talked to 3 people whom I thought worked for PayPal but as we talked ( over an hour ) to resolve the issue and check security on my phone I started to doubt these people and suspected fraud. They wanted me to create a XXXX  transaction and use XXXX. When I downloaded this app I discovered what it is and said I did not want to send any money. So they asked me to purchase XXXX gift cards. This is when I tried to hang up but I couldnt so I shut my phone off. 
I have reported this to my credit card company and have received a new credit card. I also reported it to my bank to put a red flag on anything suspicious. 
I am now reporting this to you and want these people prosecuted. I do not have a PayPal account nor a debit card through them. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have been XXXX in Hawaii since XX/XX/XXXX ; my birth certificate and social security card has been missing since about XXXX. I have become aware that my identity has been jeopardized and I want to inquire about the various acts of frauds against myself, XXXX XXXX XXXX XXXX XXXX have never even recieved one stimulus or any government assistance besides food stamps since XXXX. I have never recieved any unemployment. I have personally only opened two bank accounts, XXXX through XXXX XXXX and 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