vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Back in 2016 Wells Fargo tried to foreclose on our home even though we repeatedly tried to make the payment. They actually even returned one of our payments too. They then tried to foreclose on our home. This caused us to have file a XXXX  XXXX Bankruptcy, so we wouldnt lose our home.

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 2023-02-01 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: NJ

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 : # 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 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 2023-02-01 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: NJ

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 : # 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 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 2023-02-01 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: NC

Complaint narrative:
I have reached out to XXXX, Equifax and XXXX regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed XXXX, Equifax and XXXX that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX, Equifax and XXXX need to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I have reached out to XXXX, XXXX and Experian regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed XXXX, XXXX and Experian that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : XXXX XXXX XXXX XXXX ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. 

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX, XXXX and Experian need to comply with the law.

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 2023-02-01 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: OK

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2022

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 2023-02-01 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: OH

Complaint narrative:
After previously filing a complaint regarding the publication of personal credit information, I am following up again, because Equifax continues to report medical collection attempts. These accounts are under the {$500.00} threshold for medical collections ( Medical or health care classification ) and should no longer appear on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I called the company 7 times today and the first 5 I was immediately hung up up on. The 6th time I was told they could not access any information in my file. I asked for a manager and was told I was talking to a supervisor already and then hung up on again. The 7th and final call of the day I was told that my case was already being disputed but they could not tell me when the dispute started or even who started the dispute. I wanted an update on the dispute and they refused. I asked for something to substantiate that the debt was mine and they said they did not have it and I had to contact XXXX even though Sunrise Credit was on m report. I told them I have no business with XXXX and I want to speak with someone about removing the mark on my credit and they refused to let me speak to anyone. After I insisted on speaking to someone they hung up on me again.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity bank has done nothing to resolve my issue which Ive been trying to get them to fix since XXXX. I have been unable to order anything using my overstock credit card. I was then informed by XXXX of the credit bureaus thats Comenity bank has closed my card but when I log into my overstock credit card as well as call the number in there back it states my account is active and open. I then asked customer service to send me out a new card after learning that the card that I have no longer works but shows active in their system. Then was told due to a system glitch they cant replace my card and they will have IT look into the issue. Okay that was a XXXX ago Everytime I call I get the run around and it draining and annoying. Just fix my credit report my account is NOT closed its clearly open with a XXXX credit limit and I am still waiting on a card. Also everytime I tried adding any authorized users the system would automatically remove then and when I call customer service for them to add it does the same in their end and theyre telling me they dont know why. Well overstock how about you actually do some investigating and fix this issue before this leads for a major lawsuit. Due to this error of my account showing closed my credit report has dropped over XXXX points! I dont want excuses I just want this fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: MO

Complaint narrative:
Someone tried to open a US Bank account in my name and a debit card was sent to my previous address. 

Someone tried to open an account with XXXX XXXX y to hat wasnt 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 2023-02-01 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:
Today, XX/XX/XXXX I contacted XXXX Credit Card Customer Service and supplied my social security number to them to investigate the issue that appeared on my credit report saying that I have had a balance of {$440.00} on a XXXX Credit Card through XXXX since XXXX. The problem with that being in XXXX I was only XXXX XXXX XXXX and I opened no such card and have never had a XXXX Credit Card my entire adult life. So the fact that this has been plaguing my credit report and causing me serious problems with my credit score was something I only recently found out and decided to further investigate. I contacted Equifax and the informed me that for them to resolve this matter and remove the incorrect account from my credit report I would need to file an FTC report. Which I am assuming is what I am filling out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I noticed a hard inquiry dated XX/XX/2023 thru XXXX XXXX that an application for a Marcus XXXX credit card from Goldman Sachs Bank USA was approved and issued out in my name. When I contacted Goldman Sachs thru their customer service department they informed me that an application using my personal information was used. Everything they used was correct to verify except my telephone number. Goldman Sachs refused to give me the telephone number used except the area code was an XXXX area code. I then informed Goldman Sachs to block my account but not before they charged {$1100.00} to the account. Goldman Sachs informed me I needed to file a police report. When I tried to file the report the police department informed me since there was no one specifically to report it would be a very vague police report. Goldman Sachs then directed me to get on identity theft.gov to generate a report which they will use to cancel account and I will not be responsible for charges incurred due to fraudulent identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had received XXXX {$500.00} prepaid cards from my past landlord as part of a lease renewal program. Didn't realize they had an expiration date of XX/XX/21 so I attempted to get them reissued. The cards were being serviced by XXXX. I called them and every time it just says bye and hangs up. I find out later by calling XXXX ( card disclosure said they where servicer ) that they have no information on the cards and that XXXX has closed down ( XXXX also was taken over by another company ). I then called XXXX and XXXX and since they are the brand on the card and they both have no information on the cards. Finally, I attempted to call Fifth Third Bank since the disclosure says they issued the cards ( they also were former owners of XXXX ). In trying to talk with them they said they do not have the cards in their system and would not pass me on to a Supervisor/Manger because I am not a customer and could not be " verified ''. As issuer of the cards I feel the ball is in Fifth Third Bank to make good on these XXXX cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed that there were some unauthorized transactions in my account using both my Debit Card number and my XXXX information. In total there were 9 transactions made in XXXX, XXXX that were fraud. 
I called on the same day to the bank ( XX/XX/XXXX ) and reported these transactions, clearly stated that I am in XXXX, XXXX, and did not make or authorize these transactions, that they should be blocked or reversed. 

The bank issued a new debit card, however, didn't take any additional action in my account. After accessing my account a few days later, noticed that there are more transactions made on XX/XX/XXXX ( AFTER I contacted the Bank ) that were processed in XXXX even after I explained that I AM NOT IN XXXX. 

On top of that, the Bank charged fees for every international transaction that the fraudsters did using my account. 

I just contacted the Bank, they promised me again that they are reversing these transactions, however they said that if the Merchant changes their name, they will still be able to use my account. 

I've never felt so unprotected and exposed in my entire life. 
The process of reporting fraud was already a pain, because I am a business client and could not report these transactions online ( not through Desktop nor App Mobile ). I had to call several times, and they didn't take any relevant action. 

I'll be closing this account and opening a new one in another bank, but it can be left like this. It can happen with any other customer. 
I have no idea how someone had access to my card, it was with me the entire time, and I don't carry it, it stays at home. And how they also had access to my account details to use XXXX. 
This is unacceptable.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear MACYS/CITIBANK, N.A. ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX and XX/XX/XXXX ; 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to 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 2023-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian needs to remove incorrect addresses from my account immediately. I have sent them a letter telling them that these addresses don't belong to me and they refuse to remove them.

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 2023-02-01 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: Nelnet, Inc.
State: MA

Complaint narrative:
Dear DEPT OF ED/NELNET ; These student loans under my name, ss number and address are reporting are inaccurate, misleading, incomplete, and therefore unverifiable. I request that the following accounts under my ssn house are your database be truthfully validated or rapidly removed or deleted from ALL my major credit report effective now.

Company response to consumer: Closed with explanation