vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: OH

Complaint narrative:
To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: AP

Complaint narrative:
Resubmitting the below complaint as the company response was insufficient and false to complaint : XXXX. 

I am a military member stationed XXXX  ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living XXXX, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told XXXX  addresses are blocked from their system and there is no way for me to access my information while living XXXX. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while 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 2022-06-14 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: OH

Complaint narrative:
To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2022-06-14 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: OH

Complaint narrative:
To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2022-06-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX, Wells FargoXXXX XXXX XXXX hard inquiry. 
Representative stated to me that they will remove false information that I never applied for any Wells Fargo products.

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 2022-06-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXXXXXX XXXX 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of Wells Fargo. I have now spoken to 10 representtative of Wells Fargo and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of Wells Fargo and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.

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 2022-06-14 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
To whom it may concern ; On XX/XX/2022 WAKEFIELD & ASSOCIATES, and XXXX XXXX XXXX XXXX XXXX XXXX furnished my information knowingly it was fraudulent information. Furnishing knowing fraudulently information such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I was looking at my credit report I noticed there was a account I never opened was at XXXX in XXXX  I was unployd at that time was only getting XXXX a week in unployment and being a single mom I would not spend that much on a device or what ever it is I don't have any kind detail about this charge or even what it is I have disputed this several time and they keep saying it right I stand firm on it not being my account for primary fact I pretty much had to revise my credit report I had to disputed several address that I never live at and a phone number that never belong to me. On my credit report I had 110 identity alerts I got to looking at the site there somebody going by XXXX XXXX XXXX same age and live in same town not sure how I get this taking care of this person showing up as my identity but I would greatly appreciated if you guys would look further into my credit report that XXXX bill is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : 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 2022-06-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello about 2 months ago I tried to refinance my car but the lender was unable to pull my equifax report .it also happened at a loan company. I called equifax customer service and asked them tell problem .they want dl front and back and ss card which I copied and sent to the address they provided. It's been over a month no response and no release of my file .I need access to my file every lender I use uses them .I called again but it wasn't resolved .I 'm XXXX and XXXX and it's wearing me out .please help me Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, 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 2022-06-14 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:
n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 2022-06-14 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: PA

Complaint narrative:
In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: PA

Complaint narrative:
In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.

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 2022-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I continue to receive mail from First Tech Federal Credit Union regarding an account. I have never openned an account with this union. I once received a mail stating I had an account with {$5.00}, I called to be removed from their mailing list and this stopped for sometime. However, I am not sure it stopped because of my call ( which there was no follow up as promised ) or because I moved. 

At the time of the call I lived in XXXX CA. I have since moved to XXXX, CA. I even received mail from them when living in another state. Even when submitting an opt-out request on their website I continue to receive mail from them.

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 2022-06-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604A Section 2 : States a consumer reporting agency can not furnish an 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 2022-06-14 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:
In XX/XX/2022 I disputed an account with TransUnion and XXXX about inaccurate information. I sent in court documents stating that I do not owe Any type of debt. The account was sold to a debt collector that's not even on my credit report. I'm not sure how TransUnion is verifying correct information when I'm sending straight facts of documentation.. I have new information from the original creditor asking u to delete this account as of XX/XX/2022 XXXX XXXX account 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 2022-06-14 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: NV

Complaint narrative:
Sent letters to all three Credit bureaus XXXX XXXX, XXXX, and Equifax. 
The accounts came back as verified. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Sent letters to all three Credit bureaus XXXX XXXX, Experian, and XXXX. 
The accounts came back as verified. These are not my accounts.

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a XXXX day late payment to Experian and XXXX from XXXX of XXXX 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation