vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX {$800.00} XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX  is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
XXXX XXXX  account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *Wells cargo This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

XXXX XXXX XXXX XXXX Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late.

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, TX XXXX Mail Current Status - Processed For Delivery ( XX/XX/XXXX XXXX XXXX  ) Letter Mailed Date and XXXX - XX/XX/XXXX XXXX XXXX  Pass through - Standard Recipient Address - XXXX XXXX XXXX XXXX, TX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account # XXXX XXXX XXXX  XXXX furnished by XXXX, XXXX, and Equifax has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account # XXXX XXXX XXXX  XXXX furnished by XXXX, Experian, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to file a complaint against Transunion credit bureau. I currently subscribe to credit monitoring and received seval alerts on XXXX and XXXX. I immediately took action as I have not applied for any credit. I contacted the companies in question and was informed that no new / active accounts were opened in my name and that I should contact the credit bureau with my inquiry concerns. I contacted Transunion on XXXX to dispute the inquires that appeared on my credit report. I was told by the representative that the inquires were factual data and could not be disputed. I insisted that these be removed because I was not the person that inquired about any new credit trying to be obtained. The representative continued to state the same info given previously. I asked to speak to a supervisor and was told that there were no supervisors available. I then ask to speak to someone in the fraud department and this is when I was hung up on or intentionally disconnected. At this point i was very upset and decided to wait until the next day to call again. On XX/XX/2022 I contacted Transunion again and asked to speak to the Special Services department. I spoke with a lady named XXXX and explained the situation and she asked me identity verifying questions which I answered and she said that she would initiate an investigation into the matter and that the inquires would be removed within 48 to 72 hours. I followed up after the given time frame allowed and the inquires were still present. I have followed the protocol that I was asked to follow and still no satisfactory result. I have also filed and mailed a certified 609 letter stating that the inquires are not mine and asking that they be disputed, investigated and removed in a timely manner because of error / mistake or false identity. In summary all I'm asking is the removal of the inquires that were not initiated by myself. The inquites are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance

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 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency act Transunion, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my 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 2022-05-28 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:
In accordance with the Fair Credit Reporting Agency act XXXX, XXXX, and Experian have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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  Account # XXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXXXXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXXXXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violate my rights. 
XXXX XXXX Account # XXXXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There is incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: AL

Complaint narrative:
There is incorrect information 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 explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a text message as well as an email from capital One company stating that I updated my phone number. I do not have any accounts at all with capital one. I called the company and explain this to them and they closed the accounts. All they would tell me was that it was a checking or savings. I have received the letters from capital One that state they close the accounts for eight different accounts.photos attached. 
In XX/XX/2021 someone tried to obtain unemployment benefits using my Social Security number and my name. The unemployment office contacted my employer who assured them that I did not have any unemployment claims and I talked with the department of unemployment regarding this matter. I also filled out the necessary forms in whatever government agency I was supposed to and never heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo I had money sent from my cousin never using it before. Tried to set up my account it's easy and can be done quick it says. I never got to open an account they froze it told me to verify my identity. since I can't, It stays frozen. Until I get my new ID which I am in the process of trying to get. I can't access anything and my cousin can't get her money back. They refused to return it. Told me there is nothing I can do. First time ever using this and they are holding the money hostage. They had me talk to the manager and just kept ignoring my questions and saying irrelevant information. I think they are running a scam. I want my money or a refund to the person who sent it. This has to be illegal. I was never a customer never used the app or venmo and have a frozen account was never Informed I had to verify my identity either. I just read tons of complaints about this company and never will use it again. They scam people after freezing their accounts for 180 days then keep their money. Something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XXXX XX/XX/2022 I transferred XXXX USD from my HSBC US checking account to my nieces account in my home country XXXX via a wire transfer. While i put all the account details correctly, i typed the wrong bank name which resulted in the transfer not making it through. 
After 2 weeks i called my bank and we corrected the transaction details but the transfer never made it through neither was it returned to my account. Its been almost 2 months now, i have called the bank several times, they promise they will follow up with the transaction team and call me back but they never do. I want the money to return back to my account but HSBC hold the money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX  {$800.00} XXXX  {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX  {$800.00} XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am a XXXX XXXX victim of severe identity theft fraud since XXXX. 

Here is the " police report '' and " Identitytheft '' report attached! I have faxed to fiserv, yet no reply!!! Money network refuses to review this " new '' correspondence. Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I. 

My current phone number XXXX was a victim of fraud as have all my previous numbers been since the identity theft incident initially in XXXX, please see attachment! 

I contacted fiserv on XX/XX/XXXX I had spoken to XXXX and a XXXX. I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " monkey '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. 
Please help so no other protected class individual has to be mistreated by fiserv/money network. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 Account # XXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXXXXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXXXXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violate my rights. 
XXXX XXXX  Account # XXXXXXXXXX, 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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 Account # XXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXXXXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXXXXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violate my rights. 
XXXX XXXX  Account # XXXXXXXXXX, 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