vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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: TX

Complaint narrative:
XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission.

I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report. 
XXXX, Equifax, and XXXX have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX Law Office , XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Receivables, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-08-20 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX my XXXX XXXX XXXX  and obstruction for XXXX XXXX removed. 

They went over by 39 minutes on procedures and billed me XXXX and my insurance said its not allowed! 
Its now XXXX plus I have been trying to get them to drop there over sight the max billing on procedures is already done. 

Thank you for youre help.

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 2022-08-20 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: NY

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 602 A. Section 2 : It states a consumer reporting agency can not furnish an 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 crime with antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-20 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: NY

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 602 A. Section 2 : It states a consumer reporting agency can not furnish an 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 crime with antedates the report by more than seven years. 

XXXXXXXX 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 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I went to an Western Union remittance center earlier and I want to send the money and I gave the amount to the cashier. Unfortunately, she overcharged me for the amount what I'm suppose to send to the particular person. And I asked her what I'm suppose to do? since she printed out the receipt that is not the amount what I'm suppose to send so she yelled at me and she said it was the system overwrite that amount. I'm not sure if she's telling the truth I'm sending money all the time with western union and this is the first time I encountered this kind of remittance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
XX/XX/22 transferred {$190000.00} from San Diego County Credit Union XXXX to XXXX XXXX account XXXX. The person who did the transfer was XXXX XXXX XXXX and they did not take his age into consideration. They should not have approved the transaction.without consulting the wife who is a co-owner of the savings account. Being a customer for over 30 years and weekly visits they have done a due diligence to at least call the wife who is co-owner. We have used the bank for investments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
This company is making phishing and fraud attempts. I received an email today asking for a XXXX XXXXXXXX  review. It was a dead link. The company shows user as logged in even tho I have never even been to their site. It leads to a form requesting social security number, dob and other personal information. I did not fall for this. I believe they are attempting to steal identities as they request all the personal information required to open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/2022 my information was used for a credit card inquiry at XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. It was reported to me on my XXXX XXXX XXXX wise report via TransUnion. 
XX/XX/XXXX I called XXXX XXXX XXXX to tell them I did not attempt to open a credit card and to stop this and report it as fraud. I was told the Credit card was canceled and was given a reference number XXXX. 
I created an account on IdentifyTheft.gov and continued to call all three credit agencies to put a freeze on my account. On my first call with TransUnion I had them put a 1 year fraud alert on my account. They told me in order to remove the inquiry from my credit report I would need to get a letter from the FTC and this is what has me here.

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
There XXXX banks that I have savings, investment CD for many years, however, the banks let someone withdrew my money and closed it with out my knowing or permission. Moreover, how is other person able to joined my bank account without me being there? 
All of these bank, did the same thing to me. Right i call in and ask for my account, they will replied that my account have different information in my file. I also tried to asked for information and so that they can send me the information from my file, however, what i have giving some replied back as your account is closed and you need a lawyer because, now it's your personal problem. other replied, sorry your account is closed, we can't help you. What am I supposed to do if I can't get information off my my bank file? I did not closed it, it's stolen and closed it from fraud. I need help getting my information so that I can get my Identity Theft Victim complete please. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: MD

Complaint narrative:
To Whom It May Concern : I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX delete it from my credit report. 

Hard Inquiry : XXXX XXXX delete it from my credit report Hard Inquiry : XXXX XXXX XXXX  delete it from my credit report Hard Inquiry : XXXX XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, 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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX chase stated theres was a glitch in their system that XXXX out my available balance for my credit card. I should have at least {$700.00} available credit in my card to use, but they wont let me use it. I even asked if they could issue a temporary credit for me to be able to use my card for what I desperately needed it for. I was able to charge {$240.00} on XX/XX/XXXX to XX/XX/XXXX and then on XX/XX/XXXX it just stopped working. When I contacted chase they said there is nothing they could do to assist me and it left me stranded with no money. I dont understand why this issue is happening to me and I believe it is retaliation because I have not paid any interest on the card since it was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by 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 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/2022, XXXX letter from XXXX stating I applied for credit, and I did not apply for credit. 

A XX/XX/2022 Fraud Hard credit hit from XXXX showing on my Equifax report, I did not apply for and credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
A scammer got my social security number and my debit card number from my bank account and took XXXX dollars out of my checking. Plus saw my social security number on my online banking account. I called the 3 credit bureaus and put security freeze on each of them. Also went to police department and filed a identity theft because the scammer has my social security number. Also went to my bank and they closed my checking account and took my debit card and I have no longer a checking account with no debit card. Im calling sea because I get SSDI and SSI which is directly deposited on the 1st of each month and the 3rd of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
XXXX XXXX Bank initially lost and never processed a completed loan modification of mine from XX/XX/XXXX and and incorrectly applied payments and escrow due to this major error. They never corrected and transferred the erroneous information to XXXX. I have filed complaints with XXXX and XXXX XXXX Bank and no actions have ever been taken to correct, so I am guessing my issues are not a priority for your office. Freedom Mortgage just took over my mortgage effective XX/XX/XXXX and they have advised I have a shortage of {$870.00} in my escrow. I submitted Notice Of Error that was received by Freedom Mortgage XX/XX/XXXX including copies of my bank statements confirming all my payments made back to last year. I have not missed a payment and the escrow analysis was incorrect. They just responded with a letter dated XX/XX/XXXX, advising I am in a shortage of {$870.00} and included XXXX pages of unintelligible payment postings from XXXX that do not make sense. It looks like XXXX raised my principal from around XXXX from the last year with XXXX XXXX XXXX to XXXX when they transferred to Freedom Mortgage XX/XX/XXXX. Please explain how this can happen when my bill is paid every month?. I am asking for help. Once again. My mortgage has not been correct for XXXX years and I have been begging your office for help.

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 2022-08-20 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: TX

Complaint narrative:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

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