vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received an alert on my credit report showing this account is charged off however the company is still currently making attempts to draft my bank account for payment. I never got any documentation regarding this other than what the credit bureau shows. When trying to find an address the only know address is for a mailbox rental location, no actual business and the business shows to be located internationally. I have no real knowledge of who this account is actually with, I thought it was XXXX XXXX XXXX however my credit report shows a different name and when XXXX various names show up. My rights have been severely violated and I would like the proper contact information for the company and I also want this removed from my credit report. I think this company is defrauding the American public and I will also issue a FTC complaint. My report shows they updated it

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 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.

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 2023-06-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that 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. 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. 

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-06-27 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: TX

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
My Wells Fargo XXXX credit card was moved over to the new Wells Fargo XXXX card. My bank statement from XXXX was owing {$570.00}. My new bank statement in XXXX began with me owing {$0.00}, with Wells Fargo rolling over a new charge of {$570.00} on XX/XX/XXXX. On paper, everything looks great, which is why after three phone calls I have gotten no where. 

However, in my online account, there was no subtraction of {$570.00} before adding in the new charge on XX/XX/XXXX. So I already have all of the previous charges that totaled up to {$570.00}, plus the additional charge on XX/XX/XXXX, causing me to be double charged. The people I talk to on the phone do not care what my account on the computer looks like ; they only want to talk about the bank statement. However, the bank statement does subtraction and addition of {$570.00} ; my online account only does addition of {$570.00}.

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 2023-06-27 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: GA

Complaint narrative:
[ 15 U.S.C. 1681 ] I have a problem with Equifax reporting accurate information XXXX XXXX XXXX showing different information on other reports account should be closed and not showing a balance yet it is open as revolving credit. I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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:
Equifax is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting agency block inaccurate information that may be the result of identity theft. On numerous occasions Eqiuifax was informed THE FOLLOWING account information being FURNISHED to Equifax and reported by EQUIFAX is in fact inaccurate and they continue to report.XXXX XXXX ( XX/XX/XXXX ). This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are inquiries being reported that do not belong to me and they are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). There should be no inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
This collection company is reporting a collection on my credit report. I mailed them a certified/return receipt letter on XX/XX/2023 requesting that they provide me debt validation including and agreement with my signature, date of alleged debt, date of original charge off, verification that the debt was assigned to the collector, proof that they are licensed in Florida, and affidavit that the statute of limitations has not expired. 

They did not send any of the requested information and only provided a copy of a bill from their supposed client with my name on it, but nothing in accordance with the Fair Debt Collection Practices Act, 15 USC within the 30 days as required. 

I then followed up with another certified/return receipt letter on XX/XX/2023 reminding them that they are required by law to provide me the validation that I have requested within XXXX days and that a copy of a bill is not a validation of debt. The letter went unanswered. 

I have requested that they remove this as they are unable to validate the debt but they have not responded and continue to report the debt.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Friday XX/XX/XXXX, there were 2 deposits made to my checking account. The first one was my payroll direct deposit from XXXX in the amount of {$2400.00}. The second one was a check from my attorney, XXXX XXXX XXXX XXXX XXXX in the amount of {$64000.00} as part of a settlement for an accident that occurred in XX/XX/XXXX. When I deposited a check, I was informed that there will be a hold on it until XXXX XXXX. At that time, I still had available balance of my own funds in approximate amount of just over {$3000.00}. Later that afternoon my kids and I left for a short trip out of town to celebrate my birthday and my child 's graduation. On Saturday XX/XX/XXXX, we attempted to use my debit card at an amusement park. The card was declined. At that time there was over {$2000.00} as available balance after I paid for the hotel and dinner on XX/XX/XXXX. We identified the closest Chase Bank branch and arrived there at XXXX ( 15 min before closing ). That is when I found out that my account was frozen and I was not able to use my debit card or have access to any of my funds, including the funds from my payroll. I was left with no funds. The branch supervisor was able to find a way for me to withdraw some money for the rest of the weekend, so that we could at least finish our mini vacation. I have contacted Chase Bank via phone on Monday XX/XX/XXXX. I was informed that they would remove the freeze by the end of the day. On Tuesday XX/XX/XXXX, my account was still frozen, however it stated that all my funds, including the settlement check, were available for use. I contacted Chase Bank again and spoke with a supervisor named XXXX who stated that my lawyer 's phone number needed to be verified and that he needed to contact them. We then contacted them on a merged call. The issue still has not been resolved. At this point I am not able to pay my bills or have funds for food for me and my children. I am also incurring late payment fees as a result. I was never notified of my account being frozen. I am a single mother of XXXX XXXX recovering from a recent XXXX XXXX  due to that accident. In addition, I came as a XXXX over 32 years ago and worked hard to obtain an education and build a career here in America. I feel that I am being discriminated against as a single income mother of XXXX who comes from an XXXX XXXX. I hope that you are able to assist me with resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-06-27 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:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-06-27 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: PA

Complaint narrative:
I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.

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 2023-06-27 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: IL

Complaint narrative:
I would like to address the presence of accounts in my credit history that do not show any monthly history. These accounts, lacking a record of regular activity, may not accurately reflect my creditworthiness and financial responsibility. It is important to note that the absence of monthly history does not imply any negative or delinquent behavior on my part.

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