vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect personal information on 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
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello, On XX/XX/XXXX, at approximately XXXX XXXX  - XXXXXXXX XXXX  I contacted bank of america and spoke to a woman in Texas. I told her very clearly to transfer {$14000.00} from credit card ending in XXXX to the card ending in XXXX. Despite my repeated attempts at communicating this, she still somehow managed to mess up and transferred it the other way around. Because of this, I had to clarify how she transferred incorrectly and the call took more than 30 minutes longer and likely had multiple inquiries within my account because of the representative 's mistake. I would like these inquiries removed from my account as I should not be penalized for them, despite my many attempts at clarifying the transfer, the representative still managed to mess up. Please feel free to check the call log and check the recorded call to see how this unfolded.

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect personal information on 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 non-monetary relief
Consumer complaint received 2023-04-09 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Complaint goes to company name Fnb Omaha .I discovered this account on my credit report.Account was opened fraudulently i've sent in FTC report and copy of my driver license to credit bureaus to block this incorrect information from my credit report.The creditor is showing late payments on time payments.I never made a single payment for this account i want the creditor to share the information the account routing number with credit bureaus and CFPB and i want them to call the bank the account and routing number the payments are made from and verify if it belongs to me i got a chance of talking to creditor they have wrong address on their file wrong date of birth. 
FNB OMAHA 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 explanation
Consumer complaint received 2023-04-09 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: CA

Complaint narrative:
Hi im writing about experian and XXXX XXXX i discovered identity theft account on my credit report and tried to dispute it but it comes back as accurate but i never applied for XXXX there are some addresses on my credit report that does not belong to me that were included on ftc report XXXX 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 2023-04-09 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: CA

Complaint narrative:
My main issue is that Experian continues to discredit me with my credit score sometimes 70 to 80 points less than the other two reporting credit bureaus. I had four family members and two friends for all three credit reports Experian was low on every one of them by at least 30 points sum by XXXX points. When I have contacted them and ask them why they want me to pay to get my information. It feels like a complete scam. They never can give me information all they say is not all credit agencies report the same way. This is illegal and this messes with my financials. It is a scam and I want it resolved immediately! Please help me Ive even asked for my free credit report several times and have not received anything. This company is absolutely unwilling to help or do anything. I just received notice from XXXX XXXX and XXXX last week and my score went up to XXXX and XXXX. I received information from Experian today that my credit score dropped almost XXXX points. I just paid off balances and I dont understand why that even happened. I want and need answers and now that Ive had other people involved theyre probably going to send you complaints as well.

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 2023-04-09 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: NY

Complaint narrative:
My car got broke in on 2022 and my identification and my social security card and other personnel docmants was stolen in the result of the break in im attaching a police report have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: MD

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding # XXXX ( XXXX ) {$670.00} XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach XXXX would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Was Wells Fargo supposed to purge Accounts with Funds as Policy and deny Transfer? CFPB should hold Wells Fargo accountable for in fraudem legis ( Legal Fraud ) relating to purging my Accounts with Funds in them and for Wells Fargo 's inherent failure to transfer said Funds to the Arizona State Treasury as promised for my retrieval by Complaint. 

After the selling of the Crime Scene to my Case in XXXX XXXX, Nevada, i.e. -- XXXX XXXX  XXXX XXXX -, XXXX XXXX, which was my Bank at the time in XXXX, XXXX, purchased Wells Fargo and continued to transferring the Bonds of Damages began with the XXXX XXXX  in XXXX till XX/XX/XXXX, at the incident Change of Address to XXXX XXXX XXXX XXXX ( XXXX  ) and with XXXX, being the last of the Transfer. This Change of Address, ( COA ) see, Attachment, XXXX, was an advice from XXXX XXXX XXXX, Branch Manager of the Wells Fargo in XXXX, Oregon. She also advised, that, if I did not, the Bank will transfer my Funds to the Arizona State Treasury and I would have to file a Complaint to retrieve my Funds. But when these Accounts were foreclosed in XXXX, XXXX due to Overdrafts, Wells Fargo did not transfer my Funds to the State 's Treasury for Safekeeping as promised. ( See, Legal Fraud ). Wells Fargo also remitted a {$500.00} Ref : # XXXX NA, Promissory Note, Document # : XXXX, see, Attachment, XXXX on XX/XX/XXXX to my XXXX  Trust Account without my Consent. Which Act violated the Uniform Commercial Code ( UCC ) Patent Ambiguity for Amount in excess of {$490.00} requiring the signing of Agreement. Which Act also concludes inherent culpability to pay by Quasi Obligation, the alighted Funds, therein, at-law.

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 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX  # XXXX ( XXXX ) {$670.00} Enhanced Recovery # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} Enhanced Recovery # XXXX ( XXXX, XX/XX/XXXX ) {$97.00} Enhanced Recovery # XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: NC

Complaint narrative:
am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima Digital ( XXXX XXXX XXXX ) {$3200.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: ME

Complaint narrative:
On XX/XX/ XXXX  I purchased using my Chime credit card from a company for {$79.00}. I contacted the company and requested a refund cause I nvr recieved the order. They have told me on numerous occasions for several months now that they refunded me and to check with my card account. I have not been refunded. I filed a dispute with Chime since XXXX to current and they keep denying my dispute. I have given them the emails showing them that this company keeps stating they refunded my account and Chime denies to due a document they recieved stating the package was delivered. It's not even a legit document. It's not a tracking from a post office or any tracking company. Why would they refund me if supposedly I recieved my order? I feel I've been taken advantage of and scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX  # XXXX ( XXXX ) {$670.00} XXXX XXXX # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) {$64.00} Caine Weiner XXXX XXXXXXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've called this people and asked for original documentation to request debt validation and a verification letter confirming the details of this debt and the girl put me on long numerous holds then eventually never came back to the phone. I hung up. Now, I'm complaining here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TN

Complaint narrative:
I've requested assistance with all three bureaus XXXX, XXXX, and Trans Union credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX  and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

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