vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX of 2022, I was a finalist for a CEO position, and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. THE REPORT WAS RUN THROUGH EQUIFAX XXXX XXXX XXXX. I am formally complaining that this credit report is being reported by Equifax as a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry, as I was not seeking credit. I filed a complaint with CPFB to have XXXX XXXX fix this error on complaint number XXXX. The inquiry was not removed because XXXX XXXX knows they ran the report, and it is reported on my credit report as EQUIFAX XXXX XXXX XXXX, XXXX, CA XXXX. Yesterday, I spoke with Equifax, and they understand my issue but will not remove the inquiry unless I file another complaint with CPFB against EQUIFAX XXXX as reported on the credit report. I previously filed a dispute with Equifax, and it was denied. I am requesting that this inquiry from EQUIFAX XXXX be removed from Hard Inquiry which would remain on my report for another XXXX  months and continue to harm my credit score as if I were attempting to over-purchase. I have ended my paid membership with Equifax for not being customer friendly, knowing full well what happened and its negative impact on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Company abused my XXXX report in order to obtain Credit Line Increase by stating current Credit Score ( Security Freeze is Active! )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The collection agency called national credit system, they report I owe {$1000.00} they changed the name of the original creditor twice, now they have it under sure deposit with no contact information about it, they been hurting my credit for the past 6 years, fraudulent actions, when I disputed they fraudulent reply that the information is accurate, they have a fake original creditor name ( sure deposit ) with no contact information, I want every documents, contact or any single paper belongs to this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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:
the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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:
the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 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
n 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 2023-02-23 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Attempted to get my TransUnion credit report every day for the past week. Each time, it says my report in unavailable. I chatted with a representative on XX/XX/23. He informed me that TransUnion blocks access to credit reports while there is a dispute being investigated. There is no such law that allows any credit reporting agency to block access to a credit report after filing a dispute. I requested a copy of my credit report to be mailed to me and the representative said he can not send a copy of my credit report either.

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 2023-02-23 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: FL

Complaint narrative:
They are showing a balance of {$92.00} owed to XXXX- which was paid off in XXXXXXXX XXXXf 2022. This account had been disputed multiple times, I've uploaded my bank statement on multiple occasions and filed several CFPB complaints regarding this account yet the balance continues to randomly appear on my report. I paid it off - MAKE IT STOP!!!!

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to Equifax, XXXX, and XXXX along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. ( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Company abused my XXXX report in order to obtain Credit Line Increase by stating current Credit Score ( Security Freeze is Active! )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company abused my XXXX report in order to obtain Credit Line Increase by stating current Credit Score ( Security Freeze is Active! )

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 2023-02-23 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: GA

Complaint narrative:
I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. 

XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. 

Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the Transunion credit bureaus shut down the request as frivolous. 

XXXX continues to report incorrect balances as of today XXXX/XXXXXXXX  they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. 

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank decided to declare my account as fraud. They shut me out of my. Account last week of XXXX, did not pay my automatic withdrawals so I lost my life and car insurance and a payment for a personal loan. I was told i couldn't spend my money how I wanted. I have a friend XXXX who does not work in a country with Wi-Fi internet towers plastered everywhere consequently he and his workers use steam cards. The site said they could. They need to upgrade apps, talk to banks and businesses. Excuse me I know this person. At the same time he had deposited checks into my account. At this point I told him not to approve as the bank said they were closing my account to fraud which I said wasn't. I didn't get anything from the bank about a problem until after XXXX, consequently they held my automatic deposit and I couldn't pay bills, get food, gas nothing. I am XXXX  XXXX I want an apology, double my direct deposit amount and their higher than XXXX attitude diminished. Since when can we not spend our own money for a friend and not told it's fraud. XXXX XXXX XXXX and now I don't want a us bank. Something is wrong with this system. I earn, I spend not fraud. Those two deposits were to be placed on hold, but they moved to my account causing overdraft fees, one hand doesn't know what the other is doing at this bank.

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 2023-02-23 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ...

I have already disputed these items, but the bureaus did not remove them nor prove validation. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Transunion, I am writing about account XXXX on my credit report and to request that you either provide a method of verification or permanently delete the account. I previously disputed this account with you, and you responded by stating that it was verified and validated as accurate. However, I have since followed up with the original creditor, and they were unable to fulfill my request for validation of the account. 
I am aware that it is my right by law pursuant to 15 USC 1692g to request validation of a debt, and it is concerning that the original creditor was unable to provide any relevant information relating to the debt. Additionally, the original creditor informed me that the account had reached the statute of limitations and that they were no longer actively attempting to collect on the account. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I would like to remind you of the responsibilities of the Credit Reporting Agencies to report complete and accurate information. It is my belief that proper procedures were not followed in the investigation of my dispute, and this behavior could constitute fraud, identity theft, and false and inaccurate reporting. 
This letter is my final attempt to address this issue before I exercise my legal rights as a consumer. I urge you to investigate this matter and take appropriate action to rectify the situation. Failure to do so may result in further legal action on my part. 
Please provide me with a method of verification for the account or remove it permanently from my credit report. I look forward to hearing from you soon. Please provide evidence of the reasonable procedures used to determine the validity and accuracy of the information. Please provide the names numbers and addresses of the people contacted for you to come to your conclusion to insure your procedures were reasonable, impartial, and fair to preserve the rights of the consumer. 
Please provide Documentary evidence and any other valid information. Please request the Disclosure from the furnisher that I signed giving your company permission to furnish the account as a failure to do so could constitute identity theft because my private protected non public information is being shared between two companies in a business transaction that does not involve me except to harm my reputation. 
Please send all required Documents.

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 2023-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REMAX
State: PA

Complaint narrative:
I was under contract for a property at XXXX XXXX XXXX XXXX Pennsylvania. My real estate agent was XXXX XXXX with ReMax and the selling agent was XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX and the title/escrow company is XXXX XXXXXXXX XXXX XXXXXXXX with XXXX XXXX as the point of contact. 

I sent my deposit in within 5 days of the contract date as instructed. Contract date was ratified on XX/XX/XXXX and the deposit of {$5000.00} was wired. Throughout the process, we were trying to get my approval for the mortgage, but since I am self employed the Debt to Income didn't work out and I was unable to obtain the mortgage. I attached below a document proving I was denied on XX/XX/XXXX which is prior to the contingency end date. 

We tried to get my loan to go through a bunch of different ways and the agents knew about this in full detail. 

I have not received my deposit back, neither agency will return any of my countless emails, calls, etc. This is is extremely unprofessional and unethical as they would call me constantly when it looked like they were going to make money off of me, but now that I need assistance with getting the money back ; which I am legally owed per the contract and the denial date, no one is communicating or helping me at all besides the lender. And I know they don't have control over this specifically, but they have tried to help and again to no avail. 

I didn't want things to come to this, but something needs to be done. I don't think a phone call is too much to ask for and legally since the money should be returned to me, i don't see why they are avoiding this situation. 

Lastly, I have been living out of a motel costing me {$130.00} per night ; which the agents knew about since I sold my home back in XXXX. So this has incurred many additional expenses and I need to figure out how to move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Both my checking and my savings accounts have been restricted with no access to the funds for a week. I called to resolve and was met with " we are still investigating '' with no timeline for resolution and a statement that we can have the investigator reach out to you within 3-5 business days. At this point I have bills that are not being paid and additional charges that I am incurring with no remediation in sight from Capital One. I understand fraud risk and after my identify was sufficiently authenticated there was still no attempt to ameliorate the situation, no provisional credit, no transitioning to another account that didn't have fraud associated with it to mitigate the risk of loss, just a blanket statement that they can not do anything until the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

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 2023-02-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX  Date of inquiry : 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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CONSUMER FINANCE I've been a valuable customer with Wells Fargo since 2012 but since I've opened a account I'm being charged a XXXX dollar fee every month for the past years I feel like I'm not being treated fairly

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