vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: AL

Complaint narrative:
On XX/XX/2022 I sent off an affidavit to Transunion to dispute their reporting on my PERSONAL information. I have a right to privacy and have no contract or agreement with them for them to use my own personal information to profit. I have attempted to get goods and services and have trouble because of false reporting from companies such as Transunion, and in this case, Transunion themselves.If nobody can use credit from inaccurate reporting what happens to the economy? 

I read that is the grave responsibility to accurately represent the consumer. As stated earlier I have had ZERO communication with Transunion, yet they continue to furnish information about me, ignoring my privacy, harming my reputation, and seemingly running a monopoly aiding in false reporting to consumers and the government. 

I sent correspondence on the XXXX of XXXX and received the receipt on the XXXX. They failed to rebut replied to the affidavit, AND sent back a letter saying they WOULD NOT investigate as required per FEDERAL law, dated XX/XX/XXXX. To be clear I sent an affidavit of truth, the disputes, and an invoice. They took 3 days to send a letter saying they would not open a dispute on information they STEAL from me and profit from. I have never received a letter from Transunion stating anything was added to my report. I have never received anything from them. They made it hard to get the report itself, saying the identification I sent wasn't enough. Then sending the requested info denied me again. I hand wrote a letter a third time and was sent a letter saying it could be not obtained for the third time. 

Transunion is monopolizing " credit profiles '' with full knowledge that consumers are the creditors, while causing harm, and disability to the consumer. I have NEVER communicated with them other than to receive my credit report ( had to go online as they WOULD NOT mail one ), so they can not be accurately reporting anything. They have not asked my peers or neighbors either. Transunion has been using color of law to prevent me from obtaining goods, damaging my imaginary " credit profile '', monopolizing securities and insurances that I sign. That I am entitled to, while helping to deny me my own extension of credit. 

As the name holder, it is my right to privacy. They took my information without my permission. Then they sold it. They then tell consumers the report they make is accurate... .I have gotten no compensation for the use of my personal information. It is completely fraudulent.

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 2022-07-25 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: IL

Complaint narrative:
I was informed that an inquiry on my Experian credit report was made by XXXX XXXX XXXX. I have not authorized this inquiry. I have contacted the company but have not received a response. I want the inquiry removed from my history.

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 2022-07-25 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:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and the date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX  XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the Credit reporting agencies have 5 days to notify me from when the receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file 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 2022-07-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In according with Fair Credit Report Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
As a consumer Wells Fargo Violated several consumer laws and willfully fraudulently are denying me without cause reimbursement for fraudulent activity that took place in my account during the months of XXXX 2022. 
Pursuant to 15usc 1692 ( g ) ( b ) Disputed debts If theconsumernotifies thedebtcollector in writing within the thirty-day period described in subsection ( a ) that thedebt, or any portion thereof, is disputed, or that theconsumerrequests the name and address of the originalcreditor, thedebtcollector shall cease collection of thedebt, or any disputed portion thereof. 
As the consumer I informed Wells Fargo of the debt collectors Card Member services non-verbal, non-written consented withdrawal from my account XXXX in the amount of {$3200.00} and with numerous denied claims the last one being at the XXXX office case # XXXX where denied without any evidence of written or verbal consent of validating the debt or the withdrawal which is a fraudulent transaction and Im entitled to reimbursement.The fraudulent activity was also reported to XXXX XXXX and the police report is attached. 
The other Fraudulent transaction in the amount of {$1100.00} was not consented by me the original creditor and in fact my signature was forged because the debt collector used deceptive and abusive practices violating the stated laws again addition stole the money under duress and I have filed a police report, BBB report and an Attorney GeneralXXXX report agains the conduct and abusive practices that was endured when entering in that consumer transaction. See attached documents Wells Fargo willfully along with the other debt collectors are in violation of several other laws pursuant to 15USC1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors ; invasions of individual privacy. As well as pursuant to 15USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating thedebtor permitted by law. Card Member services never received consent nor has any written agreement from the original creditor validating the debt for them to authorize taking it. Fraud. Wells Fargo there must comply with the federal laws and FDIC and swiftly refund my account {$4400.00} for the fraudulent transactions + violations and damages of {$6000.00} totaling {$10000.00}.

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 2022-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Group has {$50000.00} of mine I placed in a savings account. I put it there for their interest rate and special bonus offer. They have been hard to deal with and get access to my money. I scheduled a transfer of funds back to my XXXX account from which I originally sent the money. The company has said they have flagged the account as possibly fraudulent and will close my account within XXXX business days. After that, I will have to wait another XXXX business days for them to mail me a check. I want my money now, and all they do is hang up on me after they read me a script when I call. I have heard of this happening to other people, and they reportedly never get their money. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
The loan is advertised as 12 months interest fee with a 24 month term. Before making the purchase and agreeing to the terms presented online, I thoroughly read the information. No where did it explain the 12 month interest free period and how the finance charges would be calculated. I called and spoke to 2 company representatives at Citizen 's One on XX/XX/XXXX and again on XX/XX/XXXX to ask if there would be an early payoff penalty if I paid the loan within the 12 months interest free period. They said there wouldn't be but also could not point me to anywhere in the terms where the promotional period was explained in writing. Trusting that their information was correct, since I heard the same from XXXX different people, I made the purchase on XX/XX/XXXX. I paid the loan in full XX/XX/XXXX. After the payoff, I noticed they sent me another statement with a balance. I called and talked to multiple people ( XXXX and XXXX ). They opened ticket XXXX. I never heard back from the company, all the while more fees were accruing. On XX/XX/XXXX, I called back and spoke to XXXX. He said I had to pay the amount owed and the interest was correct. The company never disclosed this and the website where I bought the treadmill advertises as 12 months interest free. Citizens One is not properly disclosing the interest calculation and I feel cheated and lied to about the offer. I would have certainly met any deadline had they disclosed properly in writing as I believe is required or at least explained it correctly when I spoke to them. Their information : Citizens Bank XXXX XXXX XXXX XXXX  XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-07-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-07-25 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: NY

Complaint narrative:
I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be removed

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 2022-07-25 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: IL

Complaint narrative:
Back in XXXX  my mortgage was sold from XXXX XXXX to XXXX XXXX XXXX  My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. XXXX was useless not good customer service, never answered or helped. In fact I had to send in document 3 times but by then my home was sold and I received notice of it oh about XXXX weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are XXXX I have lost so much. Its so bad. Thanks XXXX for all of your help. They love to put old ppl out on streets. we were XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). Many of the accounts are duplicated as collections. This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX never late XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1800.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX {$420.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
XX/XX/2022 I brought a XXXX XXXX XXXX for {$800.00} dollar on XXXX XXXX I was told to load the cards take photos of my cards and receipt and load to the website by the seller I did and I received a invoice so on XX/XX/2022 The seller contact me to say that the XXXX  was on hold in custom and I would have to pay {$500.00} and would be reimburse when the XXXX  arrived I never received my XXXX  so I call serve American Express to stop the payment and was told they can't do anything until the money was taken so on XX/XX/XXXX a scammer stole XXXX XXXX I have dispute this problem twice and they just keep declineing my disputes Serve American Express is not conducting a proper investigation and just keep denying my disputes I have fax the invoice Declaration of fraud and dispute form to the and still they want give me a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: OH

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : FXXXX XXXX  Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BK OF AMER 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an email receipt for a purchase at Saks Fifth Avenue XXXX on XX/XX/2022 for {$120.00} which I did not make. A XXXX credit card was used ending in XXXX which is not mine, although was in my name and receipt came to my email address. 

I can not cancel or investigate card since I do not know what bank issued it or how it was applied for using my credentials. I have notified : Saks, Social Security, XXXX, and XXXX XXXX. ( XXXX has no alert for fraudulent application for credit ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: GA

Complaint narrative:
Wise online banking after 5 year being theirs client and doing transaction and paying taxes they just decided in desactive my account sine XXXX 22. The most problem is that they kept my money and never give me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX 

They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. 

Also effective XXXX XXXX 2022 no medical debt should be in a consumer report.

Company response to consumer: Closed with explanation