vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/2021 Midland Credit Management open a collection. 
Account # XXXX {$2600.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: PA

Complaint narrative:
I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On the dates of XX/XX/XXXX and XX/XX/XXXX I was robbed by an individual who forcibly took my phone from me and used it to make multiple transactions out of my Wells Fargo accounts through XXXX and XXXX XXXX  The individual also stole personal documents from me including my passport, driver 's license, birth certificate, social security card, debit card and credit card information. 

I opened several claims with Wells Fargo regarding these unauthorized transactions on my accounts. On XX/XX/XXXX I opened an online fraud claim, # XXXX for a total of {$3500.00} for the unauthorized XXXX transactions made by the suspect. 

On XX/XX/XXXX I filed a card claim, # XXXX for a total of {$3.00} for unauthorized transactions made through XXXX XXXX using my debit card. 

On XX/XX/XXXX I filed 2 additional card claims : # XXXX for a total of {$4800.00} and XXXX for a total of {$600.00}. I was told by the representative who took my claim that there were too many transactions to fit into one claim which is why two were opened. These transactions had occurred on or about XX/XX/XXXX but I had first tried to recover the funds through XXXX XXXX but never received a resolution. These were the unauthorized XXXX XXXX transactions the suspect stole from me that night. This was also the evening after I spoke to the XXXXXXXX NJ detectives and the magnitude of the crime that was committed against me began to set in. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a copy of the police statement and asked them to call the XXXX NJ police department to speak about the specifics of the case. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a letter explaining what happened, text messages between the suspect and myself where he admits to stealing my money and extorting me, and the detectives business card asking them to contact him regarding the case. 

I faxed Wells Fargo Online Fraud Claims Assistance center on XX/XX/XXXX and XX/XX/XXXX with the same information as I had sent the Card Claims Assistance center and fax confirmation pages will be uploaded with the supporting documentation. 

To date Wells Fargo has denied all the claims except for claim # XXXX where the bank issued a permanent credit. This letter will also be uploaded with the supporting documentation. I do not understand how Wells Fargo has denied any of these claims given there is now an arrest warrant out for the suspect, but further do not understand how the bank itself would determine 2 of the transactions as fraudulent and deny the rest. 

Uploaded is documentation I believe is most relevant to this complaint, including the full report from the detectives with the suspects information and charges is facing. An arrest warrant has been issued for him.

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 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I've reached out to Exeter finance Corp on several occasions as well as all 3 credit bureaus to advice this account with Exeter is fraudulent and was open under identity theft. I've sent in numerous police reports and notarized affidavits for over a few years now! This a violation of the fair reporting act! XXXX and XXXX XXXX have complied and removed the erroneous account, but Exeter and XXXX haven't which has put a major hindrance on my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX under Americans with Disabilities Act ( ADA ) and Bank of America is discriminating against me by failing and refusing to make reasonable communications accommodations to ensure I can resolve this account. This is a letter of concern about misapplied payments regarding my Bank of America credit cards ending in XXXX, XXXX, and XXXX. On XX/XX/2022, a Bank of America representative named XXXX confirmed that the approximately {$4200.00} payment dated on or around XX/XX/2022 will be released and apportioned and applied to my three credit cards ending in XXXX, XXXX, and XXXX. However, when I phoned in to Bank of America on or around XX/XX/XXXX, and today XX/XX/2022, the representatives didn't seem to be able to locate this payment, and instead I got bounced around from department to department for about an hour each time to no avail when my call eventually got disconnected. This pattern leads me to wonder if Bank of America is purposely trying to default me and damage my payment history by misapplying my payments and making the payment process very difficult. The letter dated XX/XX/2022 which I received today stated an offer to " help '' me " lower the Annual Percentage Rate ( APRs ) '' and to discuss " long-term payment solutions '', yet I get the runaround and denied when I try to call to discuss these much needed plans as an alternative to bankruptcy which they seem to be forcing me into. Bank of America used to offer forbearance programs that push off payments for several months due to COVID-19 and we customers are still suffering unprecedented economic hardship eligible for relief.

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 2022-08-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank using account # 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 2022-08-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank using account # 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 2022-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2022 - Called Equifax and spoke with XXXX, Employee Number XXXXXXXX. They are not being helpful to survivors of XXXX XXXX She said to look up my XXXX XXXX block request that she required me to submit identification and proof of address electronically while on the phone. I submitted my driver 's license, passport, social security card, and a XXXX ( from social security administration ( social security benefit statement ) with both my address and full social security number on it. I offered my car insurance as well to serve as proof of address. XXXX would not accept my documents. She said that she was at the highest level and that it could not be escalated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: PA

Complaint narrative:
I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
I don't recognize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX, XXXX BANK 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 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: OR

Complaint narrative:
In XXXX I purchased a XXXX XXXX new XXXX XXXX through XXXX and financed XXXX through Westlake paid XXXX the rest of the amount. In XXXX the car was paid off DMV sent the title to Westlake after they received the title without it signed. DMV sent the title in XX/XX/XXXX Westlake has had the title since. In XX/XX/XXXX I was in a accident my vehicle was a total loss. I contacted Westlake to get my paid off car title and they say there is no record of me and that I applied for a loan but was not approved. The next time I called to get the title released to XXXX so I could get paid out for XXXX with both a rep from XXXX and myself on the phone they said this time they had absolutely no record of me. This is impossible because XXXX would of not sold me the car. DMV has them as title holder I know them as title holder and XXXX also has them as title holder. I have no vehicle no money and no title with no room to fix the problem. I cant work without a vehicle and I have no money to pay my rent and Im at risk for loosing my home this terrifies me being a single mom. I need Westlake to write a letter to XXXX to release my title so I can get paid for my total loss. I have the VIN and title number.

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 2022-08-16 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : 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 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MA XXXX Equifax Employer : XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: CA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
On XXXX an inquiry from Factual Data was reported to my XXXX report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit 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 non-monetary relief
Consumer complaint received 2022-08-16 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, the following has violated my rights : XXXX XXXX XXXX- account - # XXXX, XXXX XXXX XXXX- account- # XXXX, ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX XXXX XXXX account # XXXX ( Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ) XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ) XXXX XXXX XXXX- account XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX ) XXXX XXXXXXXX XXXX- account # XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX ) XXXX XXXX XXXX - account # XXXX ( Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX ) 15 U.S.C 1681 Section 602 A states that 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.

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