vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have kindly informed Equifax and the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that I have a {$2300.00} balance with XXXX XXXX  that has been illegally reporting late and past due payments to my credit reports and that it has seriously been affecting my ability to get funding, move in an apartment or purchase a home. They illegally reported transactions during the years XXXX, XXXX, and XXXX. 

I sent them a letter requesting on the date of XX/XX/XXXX of XXXX, that they cease all attempts to report late and past due payments to Equifax Consumer Report. I also fully interpreted the improper use of my credit report to each party in my official request. The late and past due payment XXXX XXXX  has been reporting is a violation of the rules of construction under Title 15 USC Section 1681a. and I fully interpreted the violation to them in the letter. Despite the clarity of the situation both parties ignored my request and did not remove the late and past due payments that were illegally being reported to my consumer report for the account. 

The primary purposes of this report are to have XXXX XXXX  and Equifax to cease all attempts to illegally report late or past due transactions or experiences to my personal consumer report in future, notify the perpetrators that they are in violation of Title 15 U.S. CODE 1681a, and to have all late or past due payments in violation of Title 15 U.S. CODE 1681a. on my credit/consumer report for the following account be immediately removed from my credit/consumer report. 

I will be attaching information about the account to this report as well as specifying the illegally reported transactions that are to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-03-01 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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing a new complaint against this company because again they are not reporting accurate information. Total paid : {$410.00} + $ XXXX {$720.00} total remains : {$280.00}. I have proof of these payments. First payment was back in XX/XX/. I have given them substantial time to fix the balance. Class action needs to happen. There are families that they like to see suffer. The people that work for them have no heart. They dont follow standard rules made by the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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:
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 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine.

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX/XXXX, acc # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: FL

Complaint narrative:
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 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. 

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX IXXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-03-01 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX 2023 I noticed I had a negative mark on my credit report undisputed these charges which are XXXX which are not mine Ive never lived at that address on file & its not connected to my credit report at any of the XXXX bureaus its the agency is still reporting a balance I spoke with TransUnion on XX/XX/2023 I was told that the account was verified I asked them how was the account verified I was told by my social security number and name I never done business with this company which is version I have never signed any contract with them I didnt even live in the state of XXXX XXXX when these charges came about the negative marks are hurting my report in this time of me trying to purchase a home I need this negative item removed so I can buy my home without paying high interest rates thank you

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 2023-03-01 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: NY

Complaint narrative:
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. 

Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-03-01 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:
There is a medical collections on my equifax credit report under the XXXX threshold. I tried disputing it with them. However they just validated the debt. Thats not my issues.beginning this year all medical under XXXX be removed from report. I cant get them to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities. 

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account PXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Collection Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. 
I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! 
The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration  did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! 
Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. 

If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. 


my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... 




Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this address.

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 2023-03-01 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: TN

Complaint narrative:
I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: TN

Complaint narrative:
I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.

Company response to consumer: Closed with explanation