vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-05 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: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX and account # XXXX XXXX XXXX and Account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and XXXX where they stated that my account is verified and also there is a copy of my recent credit report showing inaccuracies.

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 2022-06-05 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: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, and also date of last payment. This grounds for removal. 

These Accounts include : XXXX XXXX XXXX and account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information reported XXXX Inquired on XX/XX/XXXX Business XXXX : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported GS BANK Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Now its the third week when I am traveling, I am out of the US, and will be for the following month. 
So today I opened my email and saw dozens of emails from XXXX XXXX and XXXX that something has changed in my credit report. That change is two hard inquiries that I have never done, as I am not in the city. 

The report shows that there were two hard inquiries on the XXXX of XX/XX/2022, one of them from XXXX XXXX XXXX XXXX and the second one from JPMCB AUTO FINANCE ( bank ). I have it on XXXX and XXXX. Thats what my XXXX app shows. Unfortunately, I cant open the XXXX app abroad, I only can see emails from them. Also, I cant call the banks, they didnt pick up. 

And also today I got a notification from XXXX about identity verification. They usually do it when you call them and try to get your debit or credit card info. I didnt call them so I correlate that notification with that fake inquiries. 

I assume that its an identity thief trying to get as much as he can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
Experian and XXXX are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP

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 2022-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased a Western Union prepaid Netspend MasterCard. When I went to activate the card it would not let me activate it. I reached out to customer service who said that I was in eligible to have a card. When I inquired about the {$270.00} that was loaded onto the card I was told that I have to wait for a paper check. When I asked how long that would take she said it will be sent within 10 business days upon approval. She told me that I could call back tomorrow to see whether or not my refund was approved. This is my light bill money and I feel like Netspend stole {$270.00} for me. I dont understand why I have to be approved for a refund if the card cant be activated. This is basically theft

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 2022-06-05 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: FL

Complaint narrative:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XXXX Account # XXXX They also violated my rights under : 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.

I haven't given these accounts written permission to furnish these accounts on my credit report.

I also affixed copy of report from Equifax and XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding
State: SC

Complaint narrative:
I file a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX I just wanted to let y'all know something i didn't realize till after I submitted my complaint. I apologize for that but really thought cfpb should know. My mortgage company XXXX XXXX sent me a transferred of my loan letter to new owner that now owns my loan on XX/XX/XXXX. But still told me to not send payment to new owner but to continue sending payments to XXXX XXXX. And then on XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX, is a debt collector trying to collect a debt from the previous owner of my mortgage loan XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will download what I have so you can see what I'm talking about. But it really seems that my mortgage company is sketchy. Something isn't right ever since XXXX XXXX supposedly took over my mortgage loan that I never received transfer of notice from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and Navy Federal CU and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Kind Regards XXXX XXXX

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 2022-06-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
XXXX and Transunion are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP

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 2022-06-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$970.00} XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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 2022-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022 an unauthorized wired transfer of {$4500.00} was withdrawn from my Wells Fargo joint account. I didnt realize until I made a claim to the Wells Fargo fraud department on XX/XX/2022. I explained my situation and I they told me that my bank account was compromised. A couple weeks later my claim was denied.

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 2022-06-05 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: DC

Complaint narrative:
Transunion consumer reporting agency has been reporting inaccurate inquiries on my credit report, that has been causing me financial harm. They just recently deleted XXXX XXXX XXXX inquiries. Deletion is admitting that they wrong for furnishing inaccurate information. 
By law each violation is {$1000.00} dollars. I have included a copy of the deletion and a copy of an invoice pertaining to these violations.

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 2022-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
I purchased a used XXXX XXXX from XXXX XXXX on XX/XX/21. The vehicle had SO MANY problems, that I had to bring it back within 2-3 days of the purchase! Within the first 30 days of signing the paperwork for the car, the dealership had the vehicle in the repair shop for 27 days!! I asked to cancel the sale and stated I would prefer another vehicle or go somewhere else! I was refused! I've only had this vehicle in my possession for 3 months and I've had to take it back to XXXX XXXX for oil to be added twice, plus I've had to put oil in it myself 3 times!! This vehicle leaks oil, and the drivetrain malfunction light comes on every time I get on the interstate and go over 60 miles per hour!! There isn't a warranty on this vehicle and they knew it had MAJOR issues before selling it!! I told them this vehicle was a LEMON and should not have been on the lot!! 

As a female, I feel I was taken advantage of and the General Manager has NOT returned any of my calls and replied to any of my emails!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
Earlier this year a initially unknown collections company contacted me in an effort to collect on an unspecified debt. They would not prefer further information without providing my SSN. This sounded very much like a scam even after I asked them for further information about the nature of the debt. I refused to provide my SSN and they never offered to send any sort of official documentation outlining the debt. 

They kept harassing me via voicemails and eventually identified themselves as Wakefield associates collection company. They still refused to provide me any further information or proof of this being an official representative of the company, so I continued to rebuff their request for my personal information. 

I have always been responsible and paid my bills accordingly, so I had no idea what this debt could be. My husband and I are in the process of trying to purchase a house and are in the final stages of closing. I was then made aware in early XXXX that my credit score had been affected negatively by a collections agency. In an effort to remove the negative impact on our credit, we paid the collections company immediately. This uncollected bill turned out to be something from my son 's birth last year that we never received. We moved states around XXXX last year and never received any notice from the hospital. I will likely file a separate complaint about XXXX medical billing. 

This has been very frustrating as I feel that we have been taken advantage of and were not provided any documents ( as is required by law ) to verify this debt. Had we been officially made aware of this situation sooner we would have paid the debt in earnest. The fact that a collections for a medical bill less than {$100.00} could jeopardize our prospects of owning a home has been extremely troubling. I have attached the online paid receipt of the collections bill as this is the only shred of paperwork that we have from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under any open and consumer credit plan as late for any purpose.

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