vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2023-05-06 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: DISCOVER BANK
State: NE

Complaint narrative:
I used my Discover credit card to make a deposit for two custom breast collars ( horse tack ) for XXXX gifts. The gal that the breast collars were purchased from never sent them and stopped communication. I filed a dispute on the charges, as I never received them. I contacted Discover several times throughout the course as I never got any updates. I called in during the month of XXXX and a representative stated it looked like the case would be in my favor as the merchant had not replied. They just had to finish the paperwork. Month later still had not gotten any finalized paperwork. Finally, on XX/XX/XXXX, I received a email that they ruled in favor of the merchant. This is wrong as I never received my purchased items and there is proof of that! Also, by federal law, discover has 90 days to finalize a dispute. The dispute was filed on XX/XX/XXXX and did not resolve until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: IL

Complaint narrative:
I sent letters to XXXX, XXXX, Transunion to dispute inaccurate items such as my name, addresses, phone numbers, closed accounts, social security numbers, open accounts on my consumer report asking that they be investigated and removed all derogatory accounts XXXX, XXXX, Transunion has violated my rights according to the law 15 U.S. CODE1681 section 604 A section 2 ) the law states that the reports from XXXX, XXXX, Transunion has to be 100 % accurate. Also they have violated my rights according to 15 U.S. CODE1681 section 611 ( 5 ) ( a ) ( i ) ( ii ). The law states that if items are found to be inaccurate are can not be verified the consumer reporting agencies shall promptly DELETE the information from my consumer file.

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 2023-05-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: KS

Complaint narrative:
Ive asked Experian to DELETE THE FOLLOWING ADDRESSES ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MISSOURI - ( UPDATED??? ) XXXX XXXX XXXX XXXX XXXX XXXX MISSOURI The addresses stated above ; Ive tried disputing the addresses because theyre fraudulently stated on my Experian Report, but they wouldnt let me dispute online. Stating REQUIRED TO CALL I later called and was promised they would be taken off shortly after the phone call. I was also told they noted that the addresses are part of a FRAUDULENT ACCOUNT. They refuse to delete them after telling me they would take off ALL addresses other than the address I have lived at for the past 7 years.. 

( THIS SHOULD BE THE ONLY ADDRESS ON MY CREDIT REPORT ) XXXX XXXX XXXX, XXXX  XXXX, Kansas XXXX DUE TO IDENTITY THEFT AND FRAUD - I need the addresses deleted immediately, they even state different cities 50 miles apart. Please help!!!

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 2023-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of the person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method they purport that I gave permission please include documentation of said permission. 

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 2023-05-06 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:
XXXXXXXX XXXX has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to Equifax. When I call XXXX XXXX they stated that they could not help me because I dont have information about the primary cardholder. When I contacted Equifax, they stated that I needed to contact XXXX. I cant get anywhere with XXXX because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: GA

Complaint narrative:
I have requested to have a XXXX  XXXX bankruptcy from 2014 removed from my report since it has been well over 7 years and is affecting my credit score, as well as preventing me from obtaining lower interest rates. XXXX immediately removed it once I filed a dispute, but Experian refuses to do so after several attempts, stating that it will stay for 10 years. I dont understand how one reporting agency removes any negative reports that affect my ability to obtain fair credit, but another refuses. Im seeking legal advice on this. My Wife and I are trying to build a new home, and I need this resolved. We BOTH have worked VERY hard to fix our credit after encountering unforeseen circumstances a decade ago All Im asking is for the credit reporting agencies to do their part and follow what I believe is standard procedure!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft! I filed a report with identity theft.gov. I have unauthorized inquiries on my credit profile across XXXX and TransUnion. This is a violation against the Fair Debt Collection Practices Act and violation against my rights as a consumer! 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX TransUnion 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 2023-05-06 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX, XXXX  Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-05-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I called saying that I owned an XXXX XXXX which has two debit cards attached to it. XXXX charged both of those cards for one account. I tried calling Chime and disputing any charges that were doubled from my XXXX XXXX. On the phone the lady and I could only find two charges and then the call dropped. When I woke up my account was closed. I checked my email and the lady disputed every single XXXX charge Ive made in the last 3-5 months. I never authorized these payments but chime closed my account. I have XXXX XXXXXXXX in that account and have bills to pay, otherwise I will be charged with late fees and possibly a lawsuit from my landlord. They say they will send me the money in a month and a half but I have done no wrong. They can check the recorded call of me and the lady or see that the time of the call was only 4 minutes and 27 seconds. I have done nothing to deserve this or my account being closed. I have been a loyal member who has followed all of the rules, I have only disputed payments that were either legitimate fraud payments or errors from any companies that have given me the okay to contact my bank for a refund. I have not broken any rules at all. I personally believe I have been targeted by the company or an employee at the company by being hit with a bunch of unauthorized disputes so that they could close my account or for other reasons unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: East Coast Funding Group
State: NY

Complaint narrative:
Hi, in XXXX I got a car for {$9500.00} but they only credited me for {$7500.00}. I was arrested on XX/XX/XXXX, I got out five days later where all charges were dismissed. The police took my car without a warrant from my driveway. I went to pick up my car from the police property department where they told me I could not get my car back because the bank had taken it with all my belongings. So, I spoke with the bank to find out they sold the car. I was never contacted by the bank. I made my payment on XX/XX/XXXX, they sold the car on XX/XX/XXXX without ever notifying me. I had not heard anything from the bank. I moved to in XXXX after that to GA. In XXXX, I had to move back to NY because my mother got XXXX  and passed way. So now I find out there is a judgement against me from east coast funding group. I never received any notices from them. I wrote asking for the full accounting on the account nothing. They stated I never made a payment from the time I got the car, not true at all. So, after some digging and research, I found out that east coast funding has a XXXX XXXX XXXX, I called wisdom financial and asked them if I could get a copy of my full payment history. Wisdom financial mailed me the payment history where I find out east coast funding lied and said I never made a payment but in fact wisdom financial accounting shows I made all my payments up until they stole the car from the police impound with all my personal property. All the while, never sending me any notice or a chance to get my car back. I have sent them all kinds of letters they never answer. I had to write this so people on here realize they can do a lot one being the fact on how XXXX treats and speaks to you its illegal and a violation under the FCRA the Consumer Law and Policy. Also, this company was also fined by the state for unfair banking practices. Please check their XXXX  reviews and ratings. Where people are saying there doing the same to them. I have also filed an order to show cause and the judge did sign it staying the enforcement of the judgement pending a hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account to Experian, XXXX, and XXXX. 
Which is a violation of 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 explanation
Consumer complaint received 2023-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Birth date : XX/XX/XXXX Social Security # : XXXX Credit Bureau XXXX EQUIFAX Credit Bureau Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Credit Bureau Representative XXXX XXXX recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Got call with Wells Fargo in caller ID 2 days after my debit card was compromised. Caller said someone trying to wire funds from my account. Caller correctly verified y last 3 transactionsand said I had to wire funds to investigator to stop wires from going through. I only thought it might have been legitimate because of recent fraud on my account. Wells Fargo has refused to return scammed money, despite being an excellent customer for 30+ years. supposedly the daily max for wires is {$5000.00}, but I was allowed to wire {$12000.00}.

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 2023-05-06 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation