vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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: DE

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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

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

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-12 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: DE

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-12 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: MI

Complaint narrative:
XXXXXXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX  Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Reported as inaccuracy did not complete transaction XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.

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 2023-02-12 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: MI

Complaint narrative:
XXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX  Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc.
State: RI

Complaint narrative:
Help me with bank open online or mobile bank register

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: MS

Complaint narrative:
To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX. XXXX XXXX XXXX Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: CBC Companies, Inc.
State: MS

Complaint narrative:
To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX. XXXX XXXX XXXX Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 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: MI

Complaint narrative:
This accident was filed XX/XX/XXXX XXXX XXXX  by XXXX XXXX XXXX department. I submitted this fraudulent.account to all 3 credit bureaus with the police report, FTC report and XXXX  complaint. The XXXX account was closed with the company as fraud. Now XXXX XXXX XXXX, reopened or purchase debt that was closed already. The account wasnt opened in XX/XX/XXXX and the original price was {$1500.00}. I will attach the police report from XXXX XXXX XXXX department with correct times and date and FTC report. Along with XXXX letter closing the account. I currently have XXXX and that old account & balance isnt mine. 

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 2023-02-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My Identification Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off I Contacted The Creditors & No Help Contacted Bureaus & Now Im Taking These Steps Of Filing and Sending Letters Hopefully I Get Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: IL

Complaint narrative:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

By : XXXX XXXX XXXX by XXXX All Rights Reserved

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 2023-02-12 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: MI

Complaint narrative:
Ive reached out to transunion on multiple occasions explaining there are inquiries on my report that I dont recognize nor gave permission to any of those particular creditors to access my file. I have been told by transunion that I have to wait until the XXXX yr mark to have them removed when in fact I explained they were unauthorized and violates my consumer rights. I wrote multiple letters, Ive called as well and they keep refusing to take care of my situation

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 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I called Chime bank and contacted customer support to inquire about how and when are account reconsidered for their spot me feature. As they are insinuating online {$200.00} are provided to new customers and being that my account opened in XXXX there should be no issues. However they have chosen ti provide me the absolute lowest you can provide a person. Less then one percent allowed from total monthly deposit is a bit offensive. Please see attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have been double charged in XX/XX/XXXX and in XX/XX/XXXX for past purchases from early XXXX, I have also incurred late charges, interest and decreased credit score. I have tried to rectify this matter with both Commenity Bank and XXXX XXXX and neither has been will to take the time to look into these charges. I have used the card but have never carried a balance forward. All of this started in XXXX when a credit wasn't applied properly. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2023 A medical collection of the amount of {$1100.00} was placed on my credit report. The collection debt was posted by H & R ACCOUNTS INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I don't know this company or signed a contract or agreement with this company ... company needs to show proof with my wet signature.. company needs to show payment history and none payment history.. company needs to show original Contract and proof of ownership for authorization to collect from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
In response to my Complaint ID : XXXX filed by me on XX/XX/2023 against Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX said collection agency had made a representation to Consumer Financial Protection Bureau stating : " Any credit reporting Sunrise provided on behalf of XXXX  has been deleted '' [ Please see Attachment ]. This is not true. Sunrise failed to advise the XXXX major credit reporting agencies to delete the derogatory information / collection pertaining to XXXX account. This is evident from the fact that XXXX is still reporting said derogatory information in my credit report as a collection account [ Please see Attachment ].

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 2023-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Debt been on my report since XX/XX/2019. To my knowledge I haven't received any thing in the mail about this debt from this collection company. To my knowledge this debt can not be collected in the state of TN. Due to the research I have provided.

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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding my Well Fargo Bank cash rewards credit card that was opened in XXXX of 2022. Initially everything was smooth sailing until XX/XX/2022 when I made a {$3000.00} payment to XXXX from my XXXX account on XX/XX/2022 This got rejected by my bank due to their banking error which caused a lot of issues with both the XXXX and my bank. I have filed a separate complaint against XXXX bank for the same and the complaint was just closed in my favor. XXXX attached regarding the same below. 
Then again on XX/XX/2022 I made another payment to XXXX for {$3000.00} from Chime bank and that got rejected and returned back to XXXX for the same reason " unauthorized account user ''. Now I need to reiterate that XXXX made this error both times and this is from my own bank account, at XXXX. 
Due to this reason XXXX closed out my cc account on XX/XX/2022 and I have attached their letter below for the reasons that they stated. However the problem with the credit card issuer Wells Fargo Bank is that to date they are refusing to apply my reward points which is around {$1000.00} to my account. These are points that I earned with my own card usage from XXXX to XX/XX/2022. I have called them several times to resolve this and gone into the branch as well. Each time they state that they will do it but never did. They are holding onto my points and not issuing me a check or applying it to my outstanding balance either. It has been almost 120 days since this occurred. I need an immediate resolution to this matter as I plan on paying off this card in full next month and need the {$1000.00} applied to my balance and I will be paying the difference and no more. Need it reported to all credit bureaus as paid off in full when this occurs also. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
This account was part of my deceased husband I was forced to pay it due to it being sent to court for judgement. I paid this account to XXXX XXXX XXXX whose client is LVNV funding on XX/XX/2020 amount of {$1500.00}. I received a payoff letter but the new company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who are clients for LVNV funding now who has this account is saying it's not usable and they don't know who XXXX XXXX XXXX are. This account was originally not mines I paid it due to being in judgement with the courts but somehow seems it wasn't posted correctly or sent to right company I have no clue what to do in my position now.

Company response to consumer: Closed with non-monetary relief