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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The U.S. Bankruptcy Court does not report to credit agencies. I have not gave permission to any agency to report bankruptcy on my credit report. XXXX, transunion, XXXX all have violated me by placing this on my report. I have been denied credit because of this. The Bankruptcy Court is not responsible for credit reports and does not have any control over your credit report. I have tried to disputing this with the above credit agencies but have not had any luck.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In late XX/XX/XXXX I ordered a stove from XXXX XXXX that cost {$720.00} to be delivered on XX/XX/XXXX in time for XXXX. The stove did not arrive and XXXX XXXX said that they could not schedule a delivery nor could they give me a refund until the stove was returned to inventory. XXXX XXXX said the stove was on a truck waiting to be delivered. XXXX XXXX refused to cancel the order. I ordered another stove and had it installed in time for XXXX. I filed a claim with my bank Wells Fargo and was given a temporary credit for {$720.00} while they investigate. I received notice that Wells Fargo had completed their investigation and the credit was permanent. On XX/XX/XXXX XXXX XXXX finally refunded my money. Wells Fargo did not take the credit back on that day instead they sent me a letter that I received last week stating that they would take the credit on XXXX XXXX. The issue that I had with that date is that I don't get my paycheck direct deposited until XX/XX/XXXX. I called multiple times to get the date moved but was told that the system generated the date. I questioned why the system would generate a date before my paycheck was direct deposited if not for me to incur excessive fees. I made multiple calls and was finally told that they had successfully moved the date and that I would not incur any fees associated with them taking the credit back. However, those were both lies. The credit was taken on XX/XX/XXXX and I have since incurred multiple fees because all the recurring payments that I already had set up have been returned and my account in now in the negative for almost {$750.00} and the amount is still going up.

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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX {$3000.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA Violation : other loan not mine XXXX XXXX, XXXX XXXX  FCRA Violation : hard enquiries not mine XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : 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 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, National Credit Systems submitted a collection item to XXXX, XXXX, and XXXX. National Credit claims that a balance of {$1200.00} was due to XXXX XXXX ( the original creditor included in the debt collectors submission to the credit bureaus ), however, no such account has ever existed with XXXX XXXX. 

National Credit System has sent a move out statement for an apartment that I lived in from XX/XX/XXXX to XX/XX/XXXX. There should not have been an outstanding balance due to my landlord ( XXXX XXXX XXXX ). A security deposit of {$2900.00} was paid on XX/XX/XXXX ( see page 29 of 73 ).

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this complaint due to new fraud items on my report. Please note, that I'm not using any third party and I represent myself by myself, I have been a victim of identity theft and my personal information has been stollen. I got some hard inquiries on my report that I have never authorized. YOU are reporting the INQUIRIY that is the result of the fraudulent activities. Therefore, this inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. XXXX has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 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 it MUST BE REMOVED IMMEDIATELY. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of 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 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Every month this year I have disputed old information name spelled wrong as well as affidavit of truth to go along with fraud Inquiries nothing has been done. And I dont know what else to do! Im so frustrated and Im not sure what needs to be done but I need help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TN

Complaint narrative:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of XXXX identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX BANK XXXXequifax XX/XX/XXXX XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXXXXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX -XXXXn/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXequifax XX/XX/XXXX XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXXequifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX  -XXXX/equifax XX/XX/XXXX XXXX -XXXXequifax XX/XX/XXXXXXXX XXXX XXXX XXXXequifax XX/XX/XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX/equifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXXequifax XX/XX/XXXXXXXX XXXX XXXXXXXX -XXXX/equifax XX/XX/XXXX XXXX XXXX -XXXX/equifax XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023 I had 4 unauthorized ATM transactions from my debit card. Totaling {$2100.00}. I called chase immediately and reported it and stated that my card was lost and they replaced the card and also I was told I would be credit for the unauthorized fraudulent transaction within 72 hours but they refuse to now every time I call they always say Tomorrow and Ive called multiple times and Ive yet to been credit and I need the money to be able to pay for my rent and my daughters day care!

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: EQUIFAX, INC.
State: SC

Complaint narrative:
Incorrect Personal Information Security Freeze

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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an 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 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.

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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX Despite sending them a debt validation letter requesting proof of the debt on XX/XX/2023 they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the 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 2023-03-01 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: IN

Complaint narrative:
I received a hard inquiry from XXXX XXXX XXXX  XX/XX/22 and want it removed immediately. I did not consent to this inquiry at all. I spoke with XXXX XXXX XXXX they stated that they did not do inquiry. 15 U.S. Code 1681b

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We're purchasing a mortgage and there is a large amount of money transfering into another account and some money from both of my husband and mine accounts. When we're in escrow I did transfered for my husband XXXX. After that I tried to log in to my account and they keep popping up error code MFA few times. I called the customer service, on phone with them and they keep transfering. The second time they hung up on me. The first time the representative did helped me resolve. I tried again to log in and transfer money for my husband and again, error code MFA like XXXX is MFA.?? Now both of our accounts is locked and had no access. We're ON ESCROW RIGHT NOW AND we have to pay for the closing cost, the house that we rent. All of our money which is more than {$150000.00}. $ XXXX is blocked and can not access. Ridiculous. While i'm writing this complaint I'm also on the phone and they keep put me on the line waiting. I'm like what are you guys waiting for what? They verified my phone number, verified my account number, whatever they can verify they already did. Citibank please do better. We might go into bankruptcy because of this. thanks again Citibank

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 2023-03-02 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: GA

Complaint narrative:
THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS : XXXX XXXX {$150.00} XX/XX/2021. XXXX {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021XXXX XXXX XXXX XXXX  {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES : XXXX ADDRESSES : 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 2023-03-02 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: GA

Complaint narrative:
THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS XXXX XXXX XXXX {$150.00} XX/XX/2021. XXXX  {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021. XXXX XXXX XXXXXXXX {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES XXXX XXXX ADDRESSES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was XXXX flaged my credit due to late payments. On file with XXXX XXXX credit that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both XXXX and XXXX XXXX XXXX several time file a dispute with XXXX anf Trans Union and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.

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