vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( Transunion, XXXX and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.

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 2022-07-15 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: OK

Complaint narrative:
XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX  has violated this law because this late payment is reporting on Experian, XXXX and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DXXXX XXXX has violated this law because this late payment reporting on Experian, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to Experian, XXXX and XXXX and I didnt give them permission to do so.

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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an Account with Ally bank to deposit a check I won from gambling website " XXXX XXXX  '' for {$20000.00} dollars. I used their mobile deposit feature. The original check of {$20000.00} was processed by Ally Bank on XX/XX/XXXX, and it cleared on XX/XX/XXXX. The check accrued interest of {$2.00} cents meaning the funds had cleared and we valid. The check did not bounce nor was it recalled. The Fed also cleared the check and I have verified with the check issuer that the funds have been taken out of their account and not reversed. Ally Bank wrongfully closed out my account due to not being able to verify the check with XXXX, however XXXX bank has a company policy that does not allow them to verify checks. For this reason Ally closed my account due to fraud which was incorrect. Ally currently has my {$20000.00} dollars and are refusing to help me or reach out to me to send me back they money that has cleared and they owe me. I have been trying to get this resolved for over a month and have made no progress. 

I have spoked to the check issuer " XXXX XXXX  '' and Ally Bank on a XXXX way call to confirm the check was legitimate however this did not resolve the issue, as Ally refuses to accept the check is real when I have proof the check cleared the FED. Ally has not attempted to contact me a single time and continues to ignore me. 

I have attached the FED lookup tool for checks bellow provided by XXXX XXXX  to verify the legitimacy of the check clearing the Fed and that the money is owed to me and I will have to pay taxes on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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:
This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation.

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.

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 2022-07-15 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: TX

Complaint narrative:
On XXXX. Someone made two unauthorized transactions without my knowledge or my approval. First one was for {$21.00}, second one was for {$430.00}. I did not authorize these transactions and I dont know what happened and I need my money back. The purchases look like they were made to a company called XXXX XXXX. I did not do any business with that company whatsoever. My bank is Wells Fargo

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 2022-07-15 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: FL

Complaint narrative:
THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. TGRANS UNION WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS XXXX  IN XXXX  AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER XXXX  AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP IM TRYIN TO START A NEW LIFE AND BEING A XXXX  ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.

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 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: AR

Complaint narrative:
On XXXX XXXX I received a debt collection letter from credit management , LP with the attempt to collect a debt in the amount of {$780.00} stating that I owe XXXX XXXX I was given until XXXX the XXXX XXXX to call or write to dispute the debt thereof and that credit management , LP ( " Must stop collection on any amount I dispute until they send me information that shows I owe the debt. '' ) On XXXX XXXX I sent a handwritten dispute letter requesting for validation of this debt.I sent it certified mail. Never received a response from this company. Today XX/XX/2022 I received a credit confirmation concerning negative remarks on my credit report. I contact the company credit management , LP to inform them that they did not send me the requested information did I inquired about in my dispute letter or any legal factual information that says I owe this debt. And that they took it among themselves to assume that the information they had was correct without providing me adequate validation with strip me of my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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:
I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXXXXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.

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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX around midnight, i had a family member vacationing and her XXXX messaging app got hacked and I was a victim of a scam. 
The hackers reached out through her personal phone pretending to be her stating she was in a emergency and needed me to send her money through XXXX through some email accounts she provided. I sent the money and minutes later I get contacted by another family member of ours letting me know that my cousins phone had been compromised. 

I have contacted my financial institution ( Wells Fargo ) and opened a claim right away. It was not until days later that I reach out requesting an update on the claim when I realized the cases had been closed and nothing could be done

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 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A card was opened with Comenity Capital XXXX on XX/XX/2022. I never opened an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from 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 explanation
Consumer complaint received 2022-07-15 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

MACYS/DSNB - Late 30days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX {$0.00} / XX/XX/2022 XXXX XXXX XXXX / {$0.00} / XX/XX/202XXXX XXXX / {$0.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/2022 XXXX  XXXX XXXX XXXX {$0.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, equifax and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, XXXX and Experian ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.

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 2022-07-15 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: TX

Complaint narrative:
I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX of 2021, I called XXXX because I had some fraudulent inquiries and they told me I had to file a police report or an FTC report.

Company response to consumer: Closed with explanation