vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX FL XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 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.

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 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My payment from Equifax hasn't come in and I asked for another code as well I don't get a responds. Is there a way to get a losn??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, XXXX XXXX XXXX XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX Inquiry Date XX/XX/2021 AND XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/2021

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 2023-05-26 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 SANTANDER Account Number : XXXX  Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 MIDLANDCRE Account Number : 31790 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT MIDLANDCRE Account Number : XXXX  Please remove it from my credit report.

7here is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : Untitled Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-26 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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : Untitled Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist Bank. I deposited an online Cheque as a deposit which did not reflect for a few days. When it did reflect it was on a further 7 day hold. 
I could not wait for 14 days and took the cheque to another bank to cash. The Truist bank returned my deposit and charged me for two returned deposits fraudulently .The Truist bank then cancelled my account and stopped my card in the account in which I had funds.

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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I will be making it public. How wells fargo and XXXX XXXX wrongfully accused me of harassing her while I was at the bank, opening my new account they closed. Wells fargo wasn't exercising its right to close the first account that I had opened a year. XXXX XXXX conspired to get me in the XXXX XXXX location wells fargo in XXXX XXXX. So she could falsely call XXXX and have me arrested. I had no idea that she was in the bank on that day. They all concluded and conspired at wells fargo to have me open a new checking account to falsely call XXXX. But the police didn't do anything to me or have me arrested. XXXX XXXX and whoever was in on the conspiracy against me violated my civil rights by telling me not to come back to any wells fargo. 

I have given wells fargo every opportunity to settle this with me. I will be getting a lawyer and suing them for all the nightmare and intentional infliction of emotional distress and mental anguish XXXX XXXX and other wells fargo caused me. They continue to deny any wrong doing and they falsely claim their is no evidence of XXXX XXXX being at the bank or any of what she did to me. 

They are XXXX records. Wells fargo has no reason to treat me like this. Or they had no reason to close a new checking account that I was made to travel to the bank and waste my gas and to be treated this way is pure awful and evil and wicked.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
Was having difficulty with Cash App account on XX/XX/2023 The service rep. Contacted turned out to be a fake scam and took {$500.00} dollars and transferred it to another account. 
*Cash app will not follow through on who took or received the money. They literally have no way of knowing who took the money if individual doesnt respond. 
*I know now Cash app is known to be seriously scam affected and by my banks response but Cash app does nothing to protect its users. I can literally XXXX and find multiple Cash app service messages that are fake. Why isnt Cash app taking action? Its not their money so they dont care. 
*Cash app is pushing XXXX big time. No safety precautions for users at all. 
*Cash app is available only restricted hours and its confusing how to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Wrong credit score was placed on my social and also a wrong address in XXXX tn

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 2023-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
The story is very, very long. Here is the almost bullet point version of it. 
I have signed a construction loan with CrossCountry Mortgage LLC, who was recommended to me as the preferred lender by the XXXX XXXX Representative ( Broker A ) - Envision XXXX XXXX. The loan was closed in XX/XX/2021. 
As per the Residential Construction Agreement that was signed by myself, Broker A, Broker B ( my broker ) and the construction company, both brokers were to be paid by the builder. ( see Exhibit C : XXXX XXXX Agreement page of the Residential Construction Agreement attached ) The builder failed to build the house in agreed timeframe, and I was pressed to close the loan .... and do whatever I wanted with construction. The whole process with CrossCountry Mortgage LLC was absolutely not client oriented, extremely disappointing and overall horrible experience in regard to many things but in particular explaining my payoff amount to get the loan closed. No matter how many times I asked to provide details of their calculations of the payoff I was getting the same " 5 '' lines word document with no details of where/to whom my cash to close was disbursed. After me keep questioning and lengthy back and forth my pay off somehow went down $ XXXX with no explanation again as to how and why. I was advised by a friend of mine to get closure ledger details from the title company, which I did ( attached ), I had questions about a few things in the ledger, as I'm not a professional, however, what caught my eye was that {$8300.00} were paid to the XXXX XXXX on The XXXX XXXX, which is XXXX XXXX real Estate company. 
I would like to know if this is correct as this payment to the Broker B took place on the date of the initial construction loan closure in XX/XX/2021, while Exhibit C : XXXX XXXX Agreement it should have been paid by the builder. 
Please investigate this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports XXXX 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 explanation
Consumer complaint received 2023-05-26 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Inquiries : XXXX XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: CO

Complaint narrative:
I recently applied for a job, and as part of that application process First Advantage conducted a background check on behalf of the company I applied to. 

First Advantage contacted my previous employers to verify my work history, and one of my previous employers reported that I was terminated for cause. However, I was not terminated by that employer for any reason, I voluntarily resigned. 

I initiated a dispute with First Advantage, and provided them with a copy of an email I received from the former employer acknowledging and accepting my resignation. First Advantage re-opened the background check, but then closed it again without taking any action whatsoever to further investigate, and continues to report that I was terminated for cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The account is closed and paid off by settlement meaning no more inquiries should be popping up on my credit report it was paid off months ago. I was in a terrible car accident and the insurance and financial company didnt want to do anything about even the few lawyers I talked to said these are the worst companies to do business with as they always try to get out of paying any money towards accidents. Now they keep putting out inquiries to the credit bureau, now messing up my credit score that Ive been in the process of fixing so that Ill be able to buy a home.

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 2023-05-26 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: CA

Complaint narrative:
I called Experian credit reporting agency on XX/XX/2023 because I had disputed some items on my report and the dispute came as accurate they reported it back as the creditors reported as being accurate so when I try to dispute the items again they stated that I can't dispute them again without documentation so I ask did the creditors provide documentation to prove the debt was accurate I was told from an Experian representative that a creditor ( DOES NOT ). have to provide documentation that the only thing they need to say that it's accurate so my question to them was me as a consumer needs to provide documentation as to why the debt collection is not valid but the creditor does not need to provide documentation the representative reply with yes. I also informed the representative that I was recording the call as well she said OK and I understand I asked her several times was the debt validated she said no because they do not need to provide documentation as a creditor. I asked for the debt to be removed since it was a total of 3 collections she said I need to call those creditors and ask them to have it removed even though they never proved it as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Continued violations of Federal Laws and the Fair Credit Reporting Act and reporting of inaccurate information, did not follow FCRA verification laws.

A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Additionally, it is illegal to furnish income on a consumer report 15 U.S.C. 1681 section 602 15 U.S.C. 1681 Section 604 A Section 2 15 U.S.C. 1666b

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 2023-05-26 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: GA

Complaint narrative:
Since XX/XX/2022 I have mail XXXX different letters following the FCRA law to XXXX, XXXX and Equifax. I have not received any respond from them which exceeded more than the 30 days they have to respond by law. I am attaching the letters I mailed following the FTC and FCRA law to Validate the accounts I included in the letters for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: TX

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

XXXX XXXX XXXX XXXX : XXXX, 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