vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I recently went to check my credit report and noticed I have a collection of {$770.00} from an company called ( FINANCIAL CREDIT NETWO ) Date opened : XX/XX/2022 Account Number : XXXX I proceeded to contact the company ( XXXX ) XXXX I spoke to one of there representatives told them I didnt recognize who they are or the debt they were asking me to pay & i ask them could they remove the Collections they told me not without paying they and they denied my request They state that my current status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I would like to start my statement by saying I am a victim of the XXXX data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the three credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving XXXX, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
I would like an investigation for Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, California and XXXX. Contact number XXXX. Reference Loan Number XXXX. I have issued payments to Rushmore Loan Management Services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana and XXXX ; Contact # XXXX. I am reporting this matter due to money laundering and foreclosures of previous properties : XXXX XXXX - Account number XXXX ; property address XXXX XXXX XXXX, XXXX XXXX, LA and XXXX XXXX XXXX Reference loan number XXXX. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was sentenced 60 months for money laundering. Members of the congregation was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My properties and automobiles was seized due to my previous occupation and employment. I was working for a Federal Agencies and was approached by. XXXX XXXX XXXX XXXX XXXX and he requested a favor from me. The favors were money and grants from the agency. I denied the request and I truly believe this incident have hurt my creditability. Also, he knew employees working for the Federal Emergency Management Agency. The mortgages loans list XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance 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. 

1. XXXX XXXX - Account XXXX : XXXX, 2. XXXX XXXX - Account XXXX : XXXX, 3. XXXX XXXX Account XXXX : XXXX and 4. XXXX XXXX XXXX : xxxxxxxxx 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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance 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. 

1. XXXX XXXX - Account XXXX : XXXX, 2. XXXX XXXX - Account XXXX : XXXX, 3. XXXX XXXX Account XXXX : XXXX and 4. XXXX XXXX XXXX : xxxxxxxxx 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 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am trying to contact Wells Fargo as I had an account with them from XXXX and I am eligible for the settlement payment that they are providing to all customers during that time. However I am currently out of the country and no longer have a wells fargo account, so I would like to receive my settlement payment. I am not sure how to receive it, and I have already called and contacted the branch in the US on Sunday XX/XX/2023 via phone call and was told that I need to go in person. However, this is not possible and has created a problem for me.

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 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had problems with my Debit card and credit card working. I ordered a new one had it overnighted. Now the bank refuses to let me have access to any of my funds in my account. I am a XXXX veteran and am on a fixed income. I use this money to eat and heat my home, and pay for the things I need to survive. I dont know what to do now.

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 2023-03-06 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Choice Money Transfer, Inc.
State: DC

Complaint narrative:
The company is Small World Money Transfer I have reached out to this company numerous times and still my transaction is supposedly under review since XX/XX/2023 but they had sent emails telling me that they don't know when my transaction will be completed and sent but offer no solutions. I just want my money returned this company has numerous complaints against them but is Still allowed to operate without investigation. Some times the phone number works and it's difficult to reach them I just want the return of my money. I made 2 transactions the same day {$10.00} each totalling {$20.00} I DO NOT WISH TO DO BUSINESS WITH THIS COMPANY ANY FURTHER I WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I would like to start my statement by saying I am a victim of the Equifax data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the XXXX credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving Equifax, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I would like to start my statement by saying I am a victim of the XXXX data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the three credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in one or two credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on one credit bureau and charged off on the others. It shows accounts not being updated for a year or more on one to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving XXXX, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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