vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? XXXX and Equifax and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: MO

Complaint narrative:
Equifax Dispute for credit score being too low. 
Response XX/XX/02 after investigation insufficient Report by Equifax generated for credit limit off by {$19000.00}. Using a " high limit '' amount only of {$6000.00} vs. {$25000.00} for mortgage loan. As such the Credit Utilization Ratio CUR ( ALL accrued debt divided by ALL available credit ) is higher. CUR being 30 % of score, this negatively impacts my score. Want report to compute using my actual credit limit as stipulated and confirmed by my lender. It is a line-of-credit available based on home equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GA

Complaint narrative:
There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX I'm employed at XXXX XXXX and XXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX. 

Unauthorized check cashed by Wellsfargo for {$5000.00}

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 explanation
Consumer complaint received 2022-08-15 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: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX the closing of Tax period for tax year XXXX I filed Wisconsin XXXX taxes and Wisconsin homestead but not federal yet as IRS is currently investigating fraudulent returns alleged my by me as I didn't file in XXXX or XXXX. I was on XXXX and did not work this years and I. My state WI was not required to file. Some stole my identity and filed fraudulent returns. My cash app accounts multiple accounts were hacked in XXXX years in XXXX WI XXXX XXXX WI XXXX XXXX at the time I resided. Then later moved to XXXX XXXX in XXXX where I reside today. But my physical location address is confidential under state WI law as I'm in crime victim program. And am protected. The basis of my complaint is that Wisconsin revenue notified me when I requested my tax return transcripts history for XXXX. I realized there was a filed XXXX XXXX XXXX XXXX source from block inc provided to Wisconsin dept of revenue they told me to reach out to IRS and block. I reached out to IRS have been unsuccessful in reaching them. I reached out to cfpb. To then initiate this to u guys to let u know I need this data explained. Date of sale or exchange was XXXX and it was for the amount of XXXX payer : block Inc to payee : XXXX XXXX XXXX- is there a mistake here. It says noncoverd security basis not reported to IRS wi said they forwarded it to IRS since they don't handle this. In the description it says see detailed statement. I requesting that detailed statement. My confidential address also should by law not be on this document it is WI misdemeanor. There's a payers account set up by block for the payee me- XXXX XXXX XXXX. Which I can give but I didn't get any money from block. Knew nothing of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Automated Collection Services, Inc.
State: TN

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  Account XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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 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 crimes which antedates the report by more than seven ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LJ Ross Associates
State: TN

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 Account XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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 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 crimes which antedates the report by more than seven ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Sequium Asset Solutions , LLC Is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC 11692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Sequium Asset Solutions , LLC. is in violation of 15 USC 1692 ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Sequium Asset Solutions , LLC. Is in violation of 15 USC ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Sequium Asset Solutions , LLC, Inc has failed to provide me with proof that I owe a debt. I do not want to see statements, I want to see actual proof that I owe thjs " alleged '' debt to Sequium Asset Solutions , LLC. There is no contract Ive signed with them or accounting ledger. According to 15 USC 1681 Section 602 States I have the right to privacy. Sequium Asset Solutions , LLC has no right to report any information onto my credit report without my written consent according to 15 U.S.C 1681 Section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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:
Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, an online user by the screen name of XXXX and I met online using XXXX XXXX nearby function. Soon he started romance scam and investment scam. 

On XX/XX/2022 at Chase Bank in New York wire transfer took place to XXXX XXXX in the amount of {$30000.00} as per request from XXXX, XXXX to his family account in XXXX XXXX XXXX 

Soon after he requested to wire transfer more money. When I refused, he is no longer reachable by XXXX app. 

I also filed a complaint with FTC. Files are attached. 

XXXX screen name : XXXX XXXX ID : XXXX XXXX name : English name : XXXX, XXXX Wire transferred to account name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-15 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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds 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 A section 2 : is also states a consumer reporting agency can not furnish an account without my written instructions OHIO DEPT OF HUMAN SERVICES XXXX XX/XX/XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT # XXXX INQUIRY XXXX XXXX NA XX/XX/XXXX REMOVE ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # 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 2022-08-15 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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds 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 A section 2 : is also states a consumer reporting agency can not furnish an account without my written instructions OHIO DEPT OF HUMAN SERVICES - XX/XX/XXXX ACCOUNT # XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX INQUIRY XXXX  XXXX NA XX/XX/XXXX REMOVE ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX CA, XXXX Address ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AR

Complaint narrative:
I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, Transunion, XXXX. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXL XXXX XXXX XXXX XXXX A XXXX XXXXXXXX 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 2022-08-15 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: AR

Complaint narrative:
I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies XXXX, XXXX, Equifax. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Rent recovery is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. 

I Would like an investigation so rent recovery can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. 

Please open a criminal investigation and you will see the evidence on the attached documents. 

I will continue to dispute and ultimately see are going to sue rent recovery, a known company for deceptive practices and the evidence is amounting.

Company response to consumer: Closed with explanation