vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: VA

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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
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 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have multiple credit cards and have credit scores with BOTH XXXX and XXXX. I'm finding it impossible to get Equifax to assist in creating/ providing a credit score for me. 

1. Contacted Equifax on XX/XX/2022 at XXXX EST ( XXXX minute call ) Was asked to mail a copy of Driver 's License and Social Security Card to " verify ID '' 1a ) Mailed Copy of Driver 's License, Copy of Social Security Card, AND a letter with current name, former name, current mailing address, former address, every piece of info I could think would help AND a contact phone number and email address via XXXX XXXX Mail XXXX was delivered and signed for by " XXXX XXXX XXXX on XXXX XXXX. 

2. Called Equifax on XX/XX/2022 at XXXX pm EST ; was told " they must still not have it uploaded '' ( XXXX minute call ) XXXX ) Received postcard XX/XX/XXXX, which proves they HAD received my documents saying : " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or -You have not lived in the United States or have not been issued a U.S. Social Security Number If you are a resident of XXXX XXXX. [ instructions to follow ] You may want to contact the other two nationwide consumer credit reporting agencies listed below : -XXXX  [ provided number and website ] -XXXX  : [ provided number and website ] If you have any questions, please visit us at [ website ] or contact us toll-free at [ phone number ] 3 ) Called multiple numbers XX/XX/XXXX, spending a total of XXXX minutes with Customer Service- with ALL asking me to send in documents to prove my identity. NONE could say how the process would change and be fruitful if I went through the process again. I NEED a credit score to obtain housing. Please assist!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TN

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXXXXXX  and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment

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 2022-04-18 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: TN

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information that Credit Bureaus are reporting in error. 
Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In 2018 I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over XXXXive to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies.

I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information that Credit Bureaus are reporting in error. 
Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In 2018 I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over five to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies.

I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RIGHT START MORTGAGE, INC.
State: CA

Complaint narrative:
We purchased our home in XXXX 2021, the mortgage company never paid the full balance of our property taxes from our escrow account at closing. In addition, they over charged us the entire year, and at one point we had XXXX in our escrow account. We received tax notices of taxes due from underpayment and contacted the mortgage company. Emailed the tax notices to them for payment, they never paid them. Months later we get correspondence that states that we over paid them $ XXXX and would be receiving a check back for that amount within 30 days. It has been almost 60 days, a dozen phone calls- where we are always hung up on, and no reimbursement to us has been received. The second half of the balance due taxes are due in 45 days, and we need the money we paid the mortgage company to pay those taxes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with TransUnion and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. TransUnion allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the XXXX Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed 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 2022-04-18 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:
My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with XXXX and XXXX points with Equifax. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX ; XXXX XXXX Bank # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
A checking account was opened with Wells Fargo in my maiden name. I received a statement for XX/XX/2022 in the mail in XXXX. I called Wells Fargo to close the account and they sent me directly to the fraud department. They stated they would take care of closing the account and I should receive a packet in the mail within 45 days. 
I received another statement in the mail this month for XXXX. It shows the account still active. I again called Wells Fargo and the fraud department told me this time the account does have a hold on anything coming in or going out, but it is still open. They said it would take up to 45 days to close everything out. They proceeded to tell me to call back if I hadn't received confirmation on account being resolved by XXXX 2022. I have also placed a credit freeze and SSN freeze on my name.

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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express utilizes a third party collection company known as XXXX XXXX based in XXXXXXXX XXXX. XXXXXXXX XXXXl represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by American Express will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and American Express is using a third party to avoid the regular banking rules and laws established by the United States Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 XXXX Account 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 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.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KS

Complaint narrative:
I met this guy on XXXX XXXX, his name on XXXX was XXXX XXXX and had quite trustworthy profile. He had previously shipped an item through XXXX and had around XXXX seller reveiws. He seemed like a mature guy and had a wife and XXXX kids. He was selling XXXX XXXX XXXX. I was looking for such a phone so I ordered it through XXXX XXXX. He reached out to me when we negotiated on the price and asked me to cancel the order because if I placed the order through XXXX, they will make him wait to receive the money. He then asked me to transfer the money through Zelle to his account after which he will send me the XXXX. He gave me his Zelle address which was XXXX where his name appeared to be XXXX and I transferred him {$450.00} under the confirmation number XXXX. He said his brother also has XXXX in his name but they both prefer XXXX. He said he will send the phone and created a shipping label and sent me pictures of the phone in the box. He told me he will send it through USPS and provided me with the tracking number. He also told me to expect the phone by Wednesday the XXXX XXXX XXXX. I often checked the tracking number on USPS website but it always said label created USPS awaiting item. I got worried around Monday as he could create a label from anywhere. I texted him and asked to check the status of the shipping to which he responded that he would once he reaches back home but he never did. I texted him again after a while and he did not read the message. I tried to go to his profile but at this point when I clicked on his account a page popped up which said content not available. He either blocked me or deactivated his account, since he got the money. I am a student and absolutely can not afford to lose {$450.00} like that. I tried talking to my bank but they said they can not do anything regarding scams. He initially gave me a number too just to gain my trust. This is the number he provided XXXX, I tried calling this number but he won't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX  XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX  XX/XX/XXXX does not belong to me

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 2022-04-18 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: NV

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXX XX/XX/XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX. {$36000.00} XX/XX/XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.

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