vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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:
Fruad Accounts Appearing on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Unfortunately i just realized that i was paying WELLS FARGO and i have no contract with them. They have sent me the contract of me and dealership multiple times and they have admitted in this letter i am going to attach, that they do not hold the original copy of contract with wet signature of mine and there's. So i am demanding a FULL REFUND OF ALL FUNDS YOU HAVE RECEIVED IN CONNECTION WITH MY SOCIAL SECURITY NUMBER. LAST AND FINAL RESPONSE.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I complained of a {$650.00} fraud on my AMEX over a former friend using my card to pay some professional registration fee. This complaint was denied multiple times, I escalated the complaint to fraud and AMEX voided my card then never sent me a new car ( although they swear they did ). 
I wasted dozens of hours on their website messenger and speaking to customer service. I've been called back at XXXX and the insulted when complaining because 'AMEX is a global company ' yet nothing has been addressed with my complaint that they gave me multiple promises to recalculate the statement but refuse to follow through. 

I'm tired of being sent threats by txt and email to report my 'failure for payment ' to the credit bureaus... 

Yet XX/XX/2022 a 'supervisor ' acknowledged there was a miscalculation and promised to have the adjustments addressed. This has yet to happen. 

Some AMEX representatives hang up on me, some pass me managers who are unhelpful. Some want to help but tell me conclusions inconsistent with prior conversations. Al of them want me to explain the sam3e story again and again and again. 

I was on auto payments for years covering the monthly expenses to a personal account. I still have no idea why AMEX will not just recalculate and explain how, based on their provided statements, a fictitious {$650.00} just reemerges on my account... 

And that is why IU will never do business with AMEX again. Perhaps the CFPB can hold them accountable, because I need a clear itemization before I believe I owe anything else to this company that clearly doe not value my years of loyal buissness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
o whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
TRANSUNION CONSUMER SOLUTION XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date ; XX/XX/XXXX Dear Agency. 
This letter is a formal complaint that you are in direct violation of my privacy rights. 
And LCI Consumer I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report LCI Consumer as they have stole my information to sell to you as it was never verify or validated directly from the court Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SS # 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 2022-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
The whole month of XXXX I was getting calls from Hunter warfield about a debt of XXXX for something about a apartment complex I rented I never rented a apartment complex so they said they I could possibly do jail time if I dont pay I ask for information they say they sent off I never recieve I ask for original creditor and the their right to be collecting debt or to keep calling me they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I filed first complaint ( XXXX ) with Comenity Bank because I had 8 unauthorized charges on my BJs Perks Mastercard and made multiple attempts to contact Comenity to resolve the issue and have never able to speak with a representative. I locked the card on XX/XX/22. I NOW HAVE 6 MORE FRAUDULENT CHARGES-ALL MADE ON XXXXAFTER I FROZE THE CARD. As before, all appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( see attachment ). I sent another message through their online system reporting the issue. 

I NOW HAVE A TOTAL OF 14 UNAUTHORIZED CHARGES ON THIS ACCOUNT. TOTAL : {$2200.00} AND CAN NOT REACH ANYONE AT COMENITY BANK TO RESOLVE THIS. 

My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I want to have these charges removed and close my account IMMEDIATELY. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/2022 a company called XXXX was paid from my account at XXXX. 
After contacting them ( moneylion ) i submitted a fraud claim as I had never heard of, visited them, browsed them, much less bought something. 
At this same time I was getting similar transactions thru all my accounts. Most were blocked but the charges that got paid were ALL returned to me since someone had gotten access to all my accounts. 
The moneylion one really bothered me because it was a brand new account and only XXXX person besides me knew it even existed. 

But all fraudlent transactions at this time were refunded back to me except for moneylion. 
On the phone when submitting the fraud claim the person on the phone said that i must claim that the card was not in my possession to get my money back. Odd that the customer service person was telling me to lie about it. I did not lie about it. 

This person or what ever had all my information and if used a card they must have had to make XXXX. Does not seem like a hard thing to do, it's probably done all the time. 

Even so just google the company. Does it exist? No. how could I buy something from a nonexistent company. Even today XXXX returns XXXX hits. Just XXXX. Neither are a store. 

I joined moneylion so my friend could get the {$50.00} referal, which by the way has never happened. As soon as this happened I stopped using moneylion. Account was left open so that someday they could give me my money back.

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 2022-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: WI

Complaint narrative:
First contacted the company three months prior to this filing. We were told the information needed to catch up to the credit reporting bureau. After time, and monthly payments made on time, since opening the account it still shows we are not paying and behind on this account.. This is hurting our credit score for something that is being paid on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter to Equifax via Priority Mail that they received on XX/XX/XXXX ( See attached letter with XXXX receipts ). IT IS WELL PAST THIRTY DAYS and Equifax refuse to respond to my dispute letter correct ALL of their mistakes. Equifax received my dispute letter on XX/XX/XXXX and it now XX/XX/XXXX. 

I requested that Equifax do the following : Disputed Item 1 Incorrect address : XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Item 2 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 3 Incorrect address : XXXX XXXX XXXX XXXX XXXX NJ, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Disputed Item 4 Incorrect XXXX XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XX/XX/XXXX Correction : My then attorney advised me that a XXXX XXXX XXXX  would remain on my credit report for 7 years not ten years. I pay ALL of my bills on time and I am not delinquent on paying my bills. XXXX XXXX has ALREADY DELETED this erroneous bankruptcy from my credit report. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code clearly states, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), BEFORE THE END of the 30-day period BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 

Once again, Equifax has GREATLY exceeded the thirty days and I am once again requesting that the Consumer Financial Protection Bureau to STOP this credit reporting agency from violating my rights! What Equifax is doing to me is illegal and in violation of the law! 

I have listed four ( 4 ) items that I am disputing and I am requesting that they be removed from my credit report. After the completion of your investigation, would you once again, please send me a free credit report illustrating that all of The four items have been removed and include my updated credit score. I am being harmed by Equifax illegal actions, Equifax is in violation of the law and I am requesting your immediate attention in regards to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account for XXXX accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called an XXXX XXXX  company unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX  XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by XXXX is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is 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 2022-10-25 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account for XXXX accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX  in which was XX/XX/XXXX and also from the same company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called an XXXX XXXX  company unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX  XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by Equifax is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MD

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX 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