vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
My question was not answered. How was the debt validated? Where is the HIPAA authorization? 

On XXXX separate occasions I have reached out to EQUIFAX on XXXX separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. 

I have reached out to XXXX on XXXX separate occasions ( XX/XX/22 & XX/XX/22 ) to request validation of the alleged debt in addition to HIPAA authorization for the account listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MA

Complaint narrative:
I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX  that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MA

Complaint narrative:
I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this

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 2022-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I consumer XXXX XXXX have tried to resolve this matter with Fair Collections and Out  and they have constantly violated my rights as a consumer according to 15 USC 1692 c ( 1 ). They are defaming my character and ruining my reputation. My rights are to be protected. This account needs to be removed from my credit profile. I have attached my license. I am due remedy based on this company violating my rights as a consumer. I have sent my invoice.

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 2022-10-28 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: NC

Complaint narrative:
I sent my letter off to XXXX on XXXX XXXX, XXXX. I told XXXX to do a full XXXX on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, and US Department of Edu XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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 Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2022-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/22 I called Westlake Financial and spoke with a representative about a recent Auto Loan inquiry from date of XX/XX/22. I am being discriminated against. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as im being told it is. I'm basically being denied credit unless I'm willing to put up {$10000.00} cash first. I expressed to them that this car is for personal, family and household purposes and that it was a consumer credit transaction. To deny me credit based on not being able to put down {$10000.00} is unethical and unfair and it's against the law. Pursuant 15 usc 1662 no advertisement to aid, promote or assist directly or indirectly may state that a down payment is required in connection with any extension of consumer credit, unless they normally arrange payments in that amount. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 usc 1692 and is pursuant to civil liability under 15 usc1692k. Westlake is willfully and knowingly giving false and misleading information while also discriminating against me which is a direct violation of 15 usc 1611. According to 12 usc 1431 banks are in the business of borrowing money, issuing bonds and debentures as well as purchasing notes. Pursuant 12 usc 83 it says no national bank shall make ANY loan or discount on the security of the shares of its own capital stock, meaning they are not loaning the money for the vehicle. So, if the bank would be purchasing my wet signed contract from the dealer ( promissory note ) and borrowing it to fund the loan that would make me a creditor. Pursuant 15 usc 1605 credit is the right granted by a creditor. A creditor is referred to as a person who regularly extends, whether in connection with loans, sales of property, or services or otherwise consumer credit payable by agreement. Denying me my right granted as a creditor is a direct violation of the law. Furthermore, because my social security number ( Creditcard ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of WESTLAKE FINANCIAL. Value was given but value was not returned. I have proof of this unauthorized use of my credit card.

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 2022-10-28 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: MO

Complaint narrative:
I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on XXXX and Equifax that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo denied my credit card request for the XXXX XXXX in XXXX, IL. At the time, I wanted to build a home office business. I did not have a credit history but excellent payment history with a XXXX score of XXXX. XXXX XXXX XXXX approved my credit card for a {$3000.00} limit instead, which I used to set up an <bXXXX XXXX XXXX XXXX XXXXXXXX ( but not including other equipment I wanted to get like a photography camera, drone for video footage, and sewing studio, etc. ), and I build credit history with that paid in full. I am sure if the consumer was in a different income bracket there would have been better treatment. 

The date of the attempt to get a credit card was around XX/XX/2021.

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 2022-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been a Chase CC customer for over a decade plus and I created a new checking and savings account after several mailers from Chase that talked about a {$600.00} bonus. I opened the accounts and changed my direct deposit and transferred {$15000.00} into the newly created savings account on XX/XX/XXXX. I had no indication that anything was wrong. I received no emails, no texts, no notification on my chase apps that anything was wrong. On XX/XX/XXXX, I received a letter in the mail that the account had been flagged for fraud. I called in immediately and the help desk said that because I had not contacted them in time, the checking account was closed and the savings account, which had XXXX XXXX in it, was about to be closed. They then got on the phone with the bank that the XXXX XXXX  transfer was coming from ( XXXX ) and verified, with me on the phone, that the transfer was legitimate. This was after we manually added the other account to chase earlier in the month, using their micro deposit verification. There should have been no issues with verification. The CSR then said there was nothing that they could do regarding the closure as it was already in process and then on XX/XX/XXXX, they closed out the account. The CSR also confirmed that they had not reached out to me in any fashion other than the letter, which was recieved after Chase already started the closure process. There was no explanation as to why the bank didn't use any of the many other methods they had to contact me. Methods that they regularly use, almost daily, to send me marketing emails, texts and notifications. 
As of today, XX/XX/XXXX, I still have not received a check or my funds back. 
As an additional slap in the face, I did receive an envelope from Chase today ( XX/XX/XXXX ) but it was a paper copy of a statement showing that my account had been closed on XX/XX/XXXX and that the balance was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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 Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Debt Collections Services are attempting to collect a debt from consumers and Credit Reporting Services without a license to do so in the state of Tennessee.

This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : 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 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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-10-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed a debit to my Fifth Third Bank checking account that did not look correct. I went back and discovered that this debit occurred many months. Each one was about {$100.00}, some more, some less. Each debit clearly stated " auto debit Fifth Third line of credit. '' I went to a local branch. The employee looked up this line of credit and said it did NOT belong to me ( which I knew ). I visited the branch where I opened the acct decades ago. I have been there 3 times and sat with the manager. He researched and found debits went back to XXXX! I will attach his email to me stating every debit- it totals over {$6400.00} It has been assigned to the " resolution '' dept of their corp headquarters in XXXX, OH. 
The person there handling the " investigation '' is named XXXX. A male - supposedly a supervisor. He called me the other day and is always very secretive and cagey- simply saying " we have to complete our investigation. They refuse to refund me the money even though there is proof it was erroneously debited. 

I am extremely frustrated. Please contact Fifth Third Bank corporate headquarters in XXXX, Ohio. Their case # is XXXX

Company response to consumer: Closed with monetary relief