vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my Wells Fargo checking and savings account were hacked and XXXX XXXX filed the complaints immediately with my local branchAUTHORIZED transfers were made. One was a XXXX transfer from my savings account for {$480.00} and I never sent XXXX from Savings and only used XXXX a few times in 13 years and never for more than {$250.00}. The same hackers wired {$4500.00} from my checking account and I never ever have wired money from my account to anyone, ever. In fact I wire commissions from my account and I always have had to go to a WFC banker. I filed a complaint within 15 minutes with XXXX XXXX at the town center branch in XXXX XXXX, Fl. .Wells Fargo has denied both claims for the unauthorized XXXX transfer and the unauthorized wire transfer. I am XXXX yrs old retired on a small income and really need your 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 monetary relief
Consumer complaint received 2022-05-21 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: FL

Complaint narrative:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-21 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-21 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: NY

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY 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 non-monetary relief
Consumer complaint received 2022-05-21 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: NY

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-21 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: FL

Complaint narrative:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-21 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:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-21 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: OneMain Finance Corporation
State: MD

Complaint narrative:
In early XXXX, I had looked into the possibility of obtaining a personal loan from OneMain Financial. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by XXXX that OneMain Financial had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I sent in paperwork they requested to resolve the issue but they are still contacting me with threats to take the issue to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: MS

Complaint narrative:
I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
1.XXXX  XXXX  XX/XX/XXXX 2.XXXX  XXXX  XXXX  XX/XX/XXXX 3.XXXX  XXXX XXXX  XXXX  XX/XX/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 2022-05-21 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: MD

Complaint narrative:
In early XXXX, I had looked into the possibility of obtaining a personal loan from XXXX XXXX. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by TransUnion that XXXX XXXX had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.

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 2022-05-21 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: PA

Complaint narrative:
I did not consent, authorize nor benefit form any of the filling inquiries, block and remove them immediately pursuant to FCRA 15 usc 1681c-2 XXXX XXXX XXXX  XX/XX/2022 and XXXX XXXX, 2022 A collection from XXXX  XXXX reporting on my consumer report around XXXX XXXX, 2022 in the amount of {$180.00} is in violation if the FDCPA I have not entered into a contractual agreement with this company and there was never an initial communication between us. XXXX XXXX obtained and furnished my personal information without my consent which constitutes identity theft and a violation of my individual privacy rights as consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( A ) ( 2 ). Therefor needs to be removed immediately

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-21 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: Synovus Bank
State: IL

Complaint narrative:
In ACCORDANCE with the fair credit Reporting act First progress, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX DEPT OF ED, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : 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 AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NY

Complaint narrative:
I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.

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 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
Back in XXXX I received the phone call stating that I had a debt in collections for XXXX. I explained to the collections agency that I had multiple XXXX in XXXX. And that another collections called me for the same amount and paid it. And now I feel I'm getting scammed. They stated to call my insurance. I called my insurance they wouldn't give me info what they paid and what I had to pay. I had to create an account for a portfolio to see all the bills. On XX/XX/XXXX I called this collections agency back being I seen it hit my credit and effected my score. I had to leave a voice mail and I stated I'm just going to pay so my score does t go down. I did not receive a phone call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: NY

Complaint narrative:
I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.

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 2022-05-21 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: NY

Complaint narrative:
I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: IL

Complaint narrative:
I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent a letter to the credit bureaus and never heard a response back. The information on my credit report is inaccurate and affecting me getting housing. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: IL

Complaint narrative:
I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.

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 2022-05-21 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: IL

Complaint narrative:
I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In ACCORDANCE with the fair credit Reporting act First progress, COMENITY BANK, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : 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 AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation