vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA froze all my accounts on XX/XX/22 without any notice to me. I called several times, but no one could ( or would ) tell me why or give me any information. The only thing they told me is that my account was under review, and the review could only take 3 business days. I was told that the review would terminate and I would have account access on Friday, XX/XX/XXXX. 

Friday came and went, and I still have no account access. I am unable to access my money or pay bills, many of which were due on the 1st of the month when they blocked my accounts. 

I called USAA again, and was told that yes, the accounts should have been released. The rep initiated a request to release my funds, but indicated that would take ANOTHER 3 business days! So now Im looking at more than a week without access to my own money. 

I am desperate need of answers and money, but unfortunately, I have neither.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2022-11-06 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: TN

Complaint narrative:
I have written letters to Experian on three different occasions requesting a personal information update. They have refused to update my address. 

Last night I disputed the information online with an attached supporting statement and they have refused to update, instead completing the investigation with no changes.

This presents two problems : 1 ) Any preapproved credit offers will be mailed to strangers who might open accounts in my name. Experian does not help protect consumers from identity theft. 

2 ) Legitimate bills/accounts are sent to wrong address causing credit reporting and privacy issues. I am only reachable at one address.

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 2022-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2022-11-06 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: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: ID Analytics, Inc.
State: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: GA

Complaint narrative:
I am unable to review my free credit report through annual free credit report. Equifax will not allow me to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act The XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion and XXXX refuses to validate a XXXX XXXX that is not mine on m credit report Transunion and XXXX repeated that the information came from the court but i ave yet to see proof In writting that it did. They are breaking 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 non-monetary relief
Consumer complaint received 2022-11-06 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: GA

Complaint narrative:
Company shows account open with balance after declaring it in XXXX XXXX and uncollectible ..discharge was XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB 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 2022-11-06 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: FL

Complaint narrative:
Child support reported me to be in collections for a case that child support was paid directly from my work checks during the same months it was being reported as a collection improperly. 
This has cause me to lose are large portion of available credit and damaged my perfect credit history. I have been trying for 4 years to get this resolved without succaess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2022-11-06 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: GA

Complaint narrative:
Experian is reporting this fraudulent account to my credit file without my consent Ive asked Experian to provide me with improper documentation verifying that this account belong to me which in fact it doesnt. I would like for Experian to provide me with a signed contract and a copy of my signature on a XXXX XXXX contract. Ive asked Experian repeatedly and still no proof but they are still reporting this account to my credit file. This is my last chance asking them you can not just report something that fraudulent or inaccurate to anyones credit file. The Consumer Financial Protection bureau is ware now so Ill have proper documentation showing I asked for proof and if not provided and if this account stay on my credit file with Experian I have the right to file a law suit against Experian

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 2022-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2022-11-06 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: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  

MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: FactorTrust, Inc.
State: NV

Complaint narrative:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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 : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX 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 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have opened a checking bank account in Wells Fargo bank on XX/XX/2022, and later on I deposited a check through online banking on XX/XX/2022, immediately after I had done the deposit, they sent me an email that my account will be closed by XX/XX/2022 and another email that my check will be on hold. 
I contacted their customer service, they said that they have no information, and advised me to call loss prevention team on XXXX, I called them, they told me to take the physical check and try to deposit it in the branch, I went to the branch and ask them to deposit the check, they said we cant do it as the account is in transitional close status, then the branchs banker advised me to go and deposit it in another bank account. Since I dont have another bank account, I encash it from currency exchange, after few days, the currency exchange called me and said that the check was returned for double presentment as its already presented by Wells Fargo and asked me to return the money, I returned them the money. 
By XX/XX/XXXX, Wells Fargo credited the check amount in my account then on XX/XX/XXXX they withdrew the check amount as well as the remaining amount in my account and closed the account. 
After few days, I received through mail from Wells Fargo a cashier check of the remaining amount in my account which is XXXX, but I havent received the check amount of XXXX, when I called them to inquire about the check fund, they said that they have no information, the only amount released to me they can see in the system is the XXXX so I went to the branch again, the banker said that they can see that the check amount was withdrawn by Wells Fargo as per the statement of account but doesnt know where it has been gone and advised me to call loss prevention team again, I called the loss prevention team in the presence of the banker then both talked to each other and agreed that the payer has to stop the check payment from their side then Wells Fargo will release the money back to the payers bank then the payer can issue me another check. 
I contacted the payer who issued me the check and asked them to stop the payment as advised by Wells Fargo representatives ; they told me that they cant stop the payment as the check amount was already debited from their account. 
I would like to complain about Wells Fargo bank because they hold my check fund of XXXX without any reasonable right, and ask them to return it to me as soon as possible.

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 2022-11-06 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: SC

Complaint narrative:
Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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. Account Names : 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 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 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act The XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 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 2022-11-06 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: PA

Complaint narrative:
The XXXX XXXX account # XXXX is showing as open when it shows on other credit reports as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  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.

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