vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: IN

Complaint narrative:
I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: LA

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. 

XXXXXXXX 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 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 XXXX 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished 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 and 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 information is inaccurate.

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 2023-06-09 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: LA

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. 

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 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 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 XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished 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 and 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 information is inaccurate.

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 2023-06-09 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: CA

Complaint narrative:
XX/XX/2023 Responded to a Wells Fargo credit card VISA offer online using mynewcard. The mailed solicitation provided a reservation number for the application allowing for minimal personal inputs to submit the form. The letter implied automatic approval. I have multiple checking and savings accounts with Wells Fargo bank. Within 5 minutes, I received an email identifying that my application was denied. The next morning I received a text message from a phone number, that I have verified originated with VISA Wells Fargo. The message states that 2 fraudulent charges have been charged to my credit card, ending in XXXX. If the card application was denied, why is there any Wells Fargo credit card associated with my telephone number? 

This is the message : XXXX : Verify Wells Fargo activity. Card XXXX {$22.00} @ XXXX XXXX {$10.00} @ XXXXXXXX XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs. 
1 ) I did not authorize Wells Fargo VISA to make any test charges 2 ) I believe {$22.00} is Social Security Administration. 
3 ) I do not recognize XXXXXXXX XXXX  4 ) Wells Fargo VISA did make a hard credit inquiry, as I got a warning from my credit monitoring system. 
5 ) I have not had a credit card with Wells Fargo for more than 3 years, so I do not know where the 4 ending digits are associated with ; At that time I requested that ALL credit card accounts be closed and received notification from Wells Fargo VISA that the accounts had been closed. The numbers do not match any bank account that I have. 

I have been on the phone with VISA Wells Fargo for the past 30 minutes : XXXX. It is Friday, a normal business day. The front office associate is not able to connect to their executive office or their Fraud department to help explain what is going on. If this is the 'efficiency ' of the Wells Fargo VISA  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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2023, I received an email notifying me that my Checkings Account with Chime was placed on hold due to unusual activity. The email requested that I provide written explanation, identity verification, and supporting documents in order to appeal this decision. I promptly responded to the email, providing the requested information as per their instructions. Throughout this period, I was still able to utilize my credit card without any issues. However, I subsequently received another email notifying me that my credit card account was also placed on hold. The email directed me to contact Chime Member Services for further assistance. 

Upon contacting Chime Member Services, I was informed that, for security reasons, they were unable to provide specific details about the account closure. Additionally, they stated that they could not review the possibility of reactivating or refunding the account until they received valid documents verifying the deposits made. They requested that I reach out to the source of the funds to verify the deposits and confirm myself as the intended recipient. Simultaneously, they suggested that I review the Chime Deposit Account Agreement. 

I promptly contacted Chime Member Services once again, and they provided me with a secure link to submit additional documentation for identity verification. According to their communication, I was informed that I would receive a response within four hours after submitting the required documents. Additionally, I appealed to Chime Review and was advised that I would receive a response within 24-48 hours. However, it has been three weeks since my initial contact with Chime, and I have not received any updates or information regarding my account status. 

Chime has alleged that I violated the Chime Deposit Account Agreement, although I strongly believe that I have not done so. There have been no instances of unauthorized or suspicious activity on my account. The only actions I took were updating my addresses and attempting to add my XXXX XXXX XXXX XXXX to my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: OH

Complaint narrative:
I just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023

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 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.

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 2023-06-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.

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 2023-06-09 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: PA

Complaint narrative:
Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXX XXXX XXXX XXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. 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 2023-06-09 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:
Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. XXXX XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: AL

Complaint narrative:
XXXX offered a XXXX loan, but you get only XXXX at first and XXXX is held in escrow. You have to make biweekly pmts towards this loan, but you are not given the full amount and I had to pay off the full XXXX. I realized that this is deceptive and predatory lending and decided to cancel it immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed a dispute with Experian, XXXX and XXXX. I am unable to review my transunion report on XXXX XXXX XXXX I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank 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 explanation
Consumer complaint received 2023-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recieved a call today XX/XX/2023 that someone used my infomation to attempt to get a credit card from Capital One. This is the 3rd time ( 3 differenct credit card companies ) that this has happened. My credit application status is locked with all three credit bureaus as a result of the first two attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
This is a complaint re : Scott & Associates , PC located in XXXX, Texas. I received a debt communication over a year ago with my former married name ( which was changed in XX/XX/2016 ) for a debt that I have no knowledge of. At the time, the collection agency sent a form for a copy of my drivers license, social security card or passport to confirm my identity. They also stated that I should file a police report on the debt. I refused to do any of those things since I have no knowledge of this debt and did not want to file a fraudulent police report and I certainly was not going to send all of the self identifying info they requested. I wrote a cease and desist letter to the company and heard nothing from them again, though they did sent the report to the credit bureaus, so now I have this unknown debt on all three of my reports and can not seem to get it removed. Yesterday I received a letter from them again with the " bill '' for this unknown to me debt, which is listed from " XXXX '' - - I called them this morning and on a recorded line, the agent admitted that there was a cease and desist on file and that she would remove the address and info from the system. This is in direct violation to the Debt Reporting Act. I am not sure how to resolve this issue and how to have this removed from my credit report, but I am very frustrated and concerned by the company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: MN

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.

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 2023-06-09 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: MN

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.

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 2023-06-09 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: IN

Complaint narrative:
I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS

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