vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: TX

Complaint narrative:
I closed my Discover card on XX/XX/XXXX But the are still charging me interest. 
The interest is almost as much as the payment. 
I paid {$78.00} in XX/XX/XXXX and was charged {$61.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit 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: KS

Complaint narrative:
I withdrew my points from my Wells Fargo XXXX XXXX XXXX card on XX/XX/XXXX. As of today, XX/XX/XXXX, it has been XXXX business days and I still have not received the funds in my checking account. Despite multiple inquiries, there has been no satisfactory resolution or information provided. 

XXXX XXXX from the escalations team specifically stated that she would not provide any information until the investigation was complete. This lack of transparency is frustrating, especially since on a separate call, I was informed by another Wells Fargo representative that this is a known issue. 

Wells Fargo 's failure to address this problem promptly and provide clear communication has been incredibly disappointing. As a customer, I expect better service and accountability from one of the country 's largest financial institutions. This situation has caused significant inconvenience, and I urge the CFPB to investigate Wells Fargo 's handling of this 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 explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit card usage account information from XXXX XXXX. 

XXXX XXXX -Last reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXX-Last reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXXLast reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXX XXXX XXXX  -- Last reported XXXX XXXX, XXXX transferred to XXXX XXXX and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX  XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit card usage account information from XXXX XXXX. 

XXXX XXXX XXXX reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXX reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXX reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXXXXXX XXXX XXXX  -- Last reported XXXX XXXX, XXXX transferred to XXXXXXXX XXXX and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.

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 2024-05-31 00:00:00
Product: Credit reporting 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: VA

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.

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 informationisinaccurate.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
There was no choice for what is going on for me to choose- but they are calling me all day and evening. I switched from XXXX to XXXX. I had two XXXXs on the XXXX  account that I did not connect when I switched to XXXX. XXXX disconnects the XXXX account and hooks you to their them. When I started with XXXX in XX/XX/XXXX they let me think my XXXX account was closed because that's what happens when you change carriers. I got a bill from XXXX  a month or so later for service on the XXXX I told them that I believed XXXX had closed the account and they said for the phones but not the XXXX I had no idea, I explained that they can see the usage- we never used the XXXX after the date the phones changed over. And once you close the phone accounts, you can't even get into the XXXX  accounts online, so how would I know I still had an account open? Since I couldn't get into my XXXX account anymore, it seemed clear that it was closed. They didn't care, I wasn't paying {$460.00} for service on two XXXX we weren't using since XX/XX/XXXX, on principle since it was XXXX and XXXX who made this mistake. If I still really had an open account, I should've been able to get into it online and see it. They sent me to XXXXXXXX XXXX eventually which reported the debt as starting XX/XX/XXXX. That knocked my excellent credit down about XXXX pts. I did dispute it but it came back as still my debt. XXXX must have sold the debt again recently to Sources Receivables Management and now on my credit report it says it was opened XX/XX/XXXX. Now they're calling incessantly and I have not picked up the calls or spoken to them at all. But worse, it knocked my credit again because it's reported as new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted a request to Equifax through there website for Right to Know/Access report on the personal information they have collected on me under the Privacy Preference section. I received an email with a link saying it had been completed but the link would not work. I called the phone number provided on the email for help and spoke with multiple people that did not know anything about the privacy preference options and I finally was able to get a person who knew about it after multiple calls and I asked for the report to be mailed to me instead. It was not mailed and instead months later I received another email with a link to open it and now the link opened but there was no way for me to open the report. I have again made multiple calls to the phone number provided and no one I have spoken to can help me, most of them say this doesn't exist.

It seems that Equifax is trying to obfuscate there responsibility to provide this information to the consumer and they have no intention on sharing the information, so much so that the people who work for the company don't even know it is an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I do not know any of these companies and I did not authorize them or anyone else to use my social security number. These are fraudulent inqiuries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
I do not know any of these companies and I did not authorize them or anyone else to use my social security number. These are fraudulent inqiuries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting 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:
Under Penalty Of Perjury I Swear This account is false and misleading. 

XXXX XXXX XXXX Account : 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 2024-05-31 00:00:00
Product: Credit reporting 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: IL

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.

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 informationisinaccurate.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i recently reviewed a copy of my credit reports, and noticed fraudulent accounts on them, Please remove these accounts from my credit report, they are stopping my ability for me to obtain credit.

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 2024-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX I purchased a one day shower install for {$14000.00}. with a choice of free 7 day cruise, or resort stay written on my contract. Momnt is the finance company, offering a deferred payment for 2 years. In XX/XX/XXXX for my birthday I made a decision to go with the resort stay because I travel to The XXXX. When I tried to contact the XXXX vendors I got no reply via ALL emails and ALL telephone numbers XXXX XXXX XXXX  XXXX is now disconnected. XXXX XXXX, will tell you they are the manufacturers of the materials for installation & has nothing to do with it. All the information I had about every single person in the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is now invalid! I made friends with the young man who was employed as a XXXX, so I called him. I was told the company XXXX XXXX XXXX XXXX is no longer in business and also has never paid him for his labor. I checked The XXXX XXXX XXXX website, I saw several complaints about the same companies including the same complaints as my story. I checked the secretary of state website, I saw that owner XXXX XXXX created XXXX XXXX XXXX  of XXXX accounts both now terminated? Control # XXXX & XXXX. Then there is the other company XXXX XXXX XXXX XX/XX/XXXX which is still current & active. On XXXX of the XXXX  complaints I saw a reply email from XXXX XXXX where he provided his personal cell, I dialed his number and he answered, saying he would call the corporate office to see if there can be a resolution. He never replied no one contacted me, I made a follow up call to him, phone number now disconnected. 

This is when I contacted the finance company moment via email to request a copy of the check made payable to whom, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that I may start a suit? They refused, told me to contact the vendor. My deferred payment plan ended XX/XX/XXXX I am waiting to be contacted by Momnt for payment, & end up in collections. I also requested to have my balance reduced minus the expense of the resort stay, but they refused, telling me it has nothing to do with them? 

So far this sounds like a civil matter right? NoT! The tale above is a XXXX, nicely tight system they have going and duping a lot of people out of a lot of money, I will not stop writing XXXX until there is a resolution, this is a crime. Now the same XXXX XXXX of XXXX website has the same business back up, same address, a new phone number, new staff. So you know I clicked & said I am interested in a new shower install right? Someone called me back stating they have the same website but they are a different company? DEAD END, COMPLETE CIRCLE! HELP? 
You can reach out to everyone, create a class action suit or something. I also complained to my XXXX Attorney General 's office, case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity.B - Furnish information about accounts or other relationships with a consumer that is accurate.C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
I have attached documentation verifying my identity my address and the account in question.

Company response to consumer: Closed with non-monetary relief