vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to 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 2023-03-06 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: CA

Complaint narrative:
XXXX  Account # XXXX I am writing to file a complaint against XXXX and Equifax and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX  data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/23 I went to make payment on my credit card and noticed that my credit limit had been reduced from {$8000.00} to {$4200.00}, which was very close to the balance that was on the card. I attempted to reach out to a customer service representative via chat and informed them I was recently released from being hospitalized for 3 weeks from a motorcycle accident. I was informed to call the customer service, which I called twice and was hung up on.

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 2023-03-06 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: NC

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 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 XXXXXXXX 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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2023 I deposited a cashiers check from a legitimate credit union into my Wells Fargo checking account. I had closed a XXXX XXXX with the credit union a few days earlier. The check amount was {$96000.00} and all of that amount was to be included in available balance the next day, which was a Friday, and I checked and it was indeed included in my available balance the next day. Confirming that, I proceeded to initiate a transfer of {$25000.00} to a money market account at XXXX Bank. HOWEVER, over the weekend, someone at Wells Fargo essentially removed the {$96000.00} from my available balance, without any notice to me, which led to an alarming email from Wells Fargo the following Monday morning ( today ) informing me that my balance was currently at - {$23000.00}, so I was hugely overdrawn because of the {$25000.00} transfer to XXXX. And I was unable to cancel that transfer request. I promptly went to a Wells Fargo branch and after a few hours got a call from the manager telling me that the money was back in my account, so I suppose all is well now, but this entire experience has shaken my confidence in our banking system. How can a bank simply remove a large portion of available balance like this without giving any notice to the consumer/customer?

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 2023-03-06 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX placed a fraudulent account on my credit report, I demand XXXX XXXX remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action XXXX XXXX for violation my my consumer rights, im filing this complaint against XXXX XXXX because XXXX XXXX has used my information to establish a fraudulent account in my name, in future reference I will sue XXXX XXXX in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter

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 2023-03-06 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: CA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for transactions or experiences to be reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Im having fraud with IKEA Childs place XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is falsely reporting false information on my consumer report to insurance companies. LexisNexis is reporting that I was involved in a car accident on or around XXXX XXXX which is false information. I was not involved in any type of accident of traffic violation. LexisNexis also does not have my consent to share my personal information with anyone or any corporation. They are in violation of my Right To Privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
In XX/XX/2022 someone opened up an account with Citizens in my name to purchase some gaming consoles. The information used was at an address I had not lived at for 15+ years, but the people who opened the account XXXX used my email address and i got notification that it had been applied for. I called Citizens immediately, before any purchase had gone through and told them to cancel everything, it isnt mine. they told me everything would be canceled and any impacts to my credit would be updated.. Citizens continue to try and collect, they refuse to return my calls to the fraud department and keep sending me collections emails. This is not my account, I tried to stop it and they still opened it without my permission and allowed charges to be made even though they knew at the applications origination that it wasnt mine and were told to stop everything. Stope trying to collect on something that doesnt belong to me and remove this from my credit! This is not my account, I did not authorize or benefit or receive anything from it and it needs to be gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of
reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in 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 2023-03-06 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: TX

Complaint narrative:
Experian did/does not have permissible purpose to report the following account to my consumer report : XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 compliant XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 complaint XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/ Not Metro 2 compliant XXXX. XXXX XXXX XXXX  Account # XXXX FCRA Violation /Not Metro 2 compliant They are committing Identity Theft. I submitted an identity theft report on idenititytheft.gov, and provided them with a copy. The report will be attached with the complaint.

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
MY NUMBER IS ON THE DNC REGISTRY FOR YEARS NOW AND I HAVE NOT REMOVED IT FROM THE REGISTRY. MY PHONE NUMBER IS XXXX. PHOENIX FINANCIAL SERVICES LLC CALLED ME FROM XXXX. THE TEXT TOLD ME THEIR PHONE NUMBER WAS XXXX. THEY TOLD ME THEY WERE ATTEMPTING TO COLLECT A DEBT FROM XXXX XXXX XXXX  XXXX. ACCOUNT NUMBER XXXX. WHEN I CLICKED ON THE LINK IT DID NOT ALLOW ME TO INSTRUCT THEM TO STOP CALLING OR CONTACTING ME. THIS IS A FDCPA 1692F AND 1692G AND TFC VIOLATION OF 392.301 ( a ) ( 8 ) - AN ACTION PROHIBITED BY LAW. I HAVE A RIGHT TO OPT OUT OF CALLS AND TEXTS AND THEY MUST ALLOW ME TO DO SO. I CLICKED ON THEIR LINK AND TRIED TO INSTRUCT THEM TO STOP CALLING ME BUT I WAS UNABLE TO DO SO. THEIR WEBSITE FORCE ME TO THEIR " NOTICE '' PAGE AND IT ONLY GAVE ME TWO OPTIONS. TO PRESS A " CONTACT US '' OR AN " OK '' BUTTON. I DO NOT CONSENT TO ANYTHING SO I DID NOT PRESS THEIR OK BUTTON. WHEN I PRESSED THEIR CONTACT US BUTTON THE PAGE FLIPPED TO ANOTHER PAGE AND THEN BROUGHT ME BACK TO THE ORIGINAL NOTICE BUTTON. OVER AND OVER AGAIN, THE SAME THING HAPPENED. THIS IS ILLEGAL. IF THIS DEBT IS NOT MINE THEY SHOULD HAVE SEARCHED TO SEE IF MY PHONE NUMBER WAS REASSIGNED. THEY DID NOT SEARCH TO SEE IF MY NUMBER WAS A REASSIGNED NUMBER. THIS IS A 1692 ( B ) VIOLATION. THERE ARE ALSO MANY TCPA VIOLATIONS HERE TOO. THEY USED AN ATDS OR ADAD TO CONTACT ME. I WROTE TO THEM VIA TEXT MESSAGE LETTING THEM KNOW MY NUMBER IS ON THE DNC REGISTRY AND INSTRUCTED THEM TO SEND ME A COPY OF THEIR DNC POLICY AND TO STOP CONTACTING THEM. I DID NOT RECEIVE A RESPONSE. I GAVE THEM MY EMAIL SO THAT THEY COULD SEND ME THEIR DNC POLICY. I ASKED THEM IF THEY HAD MY CONSENT TO CALL ME WITH THEIR ATDS OR ADAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
XXXX / TransUnion did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.

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 2023-03-06 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: IL

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 XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: IL

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. 

# 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 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