vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX of XXXX, the Wells Fargo Bank in. XXXX AZ, aided me to an opening of a Platinum Visa Credit Card Secured Account which was pre-approved with a XXXX XXXX Dollars ( {$300.00}. ) intial XXXX. XXXX XXXX, I had only received an Account Number, ending in, ... XXXX without the Card. In the Account Statement, there was no Credit for said Deposit, rather a XXXX ( {$0.00}. ) Dollar balance. The Bank Manager 's name was XXXX at that time and whom I made the Initial Deposit to.

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 2022-10-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-18 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: NY

Complaint narrative:
XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : EQUIFAX Made by : XXXX XXXX Made on : XXXX XXXX XXXX Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I made several phone calls to Equifax through out the month to try and explain my situation in detail. After several hours of being on the phone nobody from Equifax was able to point me into a direction to get this resolved. My current situation is : Equifax is reporting my twin sisters information which is preventing me from qualifying for any type of loan. Me and my twin sister have a very similar social security number as well as the same address and the same initials. With the personal information being my sisters, all the accounts ( closed and open ) are my twin sisters as well. The lender that I am working with for a mortgage pulled from XXXX and his results also have my twin sisters information. I am pulling my information through myequifax.com. XXXX as well as XXXX have all of my information reporting correctly. As of XX/XX/2022 I have filed 15 disputes on my credit file through my equifax.com. I called and talked to equifax multiple times they state that my information is correct but clearly this isnt accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-18 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! XXXX with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through XXXX XXXX XXXX to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to XXXX XXXX XXXX ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what XXXX XXXX predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under XXXX XXXX XXXX to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you

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 2022-10-18 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: TX

Complaint narrative:
CFPB I contacted Equifax PDF enclosed and their statement was they need account name, account number, and nature of dispute. I request they delete the 2 accounts because I can not get documents of authorization to report to credit reporting companies with my signature and a actual contract stating I am doing business with them with my signature .Also a copy of a contract is fraud 15U>S>C>1681 { a } { 4 } consumer right to privacy USC8 All Obligations belong to the UNITED STATES it is paid for16CFR433.3 All contracts are Held by the FEDERAL RESERVE any other contract is fraud .Equifax sent in their response to CFPB enclosed need the above information and it was enclosed Equifax fraudulently reported they didnt have the information I enclosed. By law { every } contract has to state in Bold 10 point type16CFR433.2 NOTICE any holder of this consumer credit contract is subject to { ALL } claims and defenses which the debtor could assert against the seller of goods and services obtained pursuant HEROF, Recovery HEREUNDERBY the debtor shall not exceed amounts paid by the debtor HEREUNDER 433.2 { a } consumer contracts consumer credit contract { any MEANS ALL } instruments which evidences or embodies a debt arising from purchase or a finance sale is define in paragraphs { D } { XXXX } of the section. I request that the CFPB step in on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX  XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

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 2022-10-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

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 2022-10-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX  XXXX XXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/22 I had XXXX check deposited into my bank account. The funds were fully available to me and I made a credit card payment of XXXX dollars. On XX/XX/22 they charged the check back and made my account negative. They are now holding two of my checks and a cash payment from the government and say they can't tell me when it will be available.

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 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I filed a dispute for a transaction of {$160.00} for a fraudulent charge. Cashapp issued me a provisional credit for the full amount and stated it would become permanent after 45 days. On XX/XX/2022 cashapp put my account- {$160.00}. On the 45th day the credit became permanent and they have now went back on a written agreement on the 49th day. I have the email stating that if they didnt resolve the dispute within the 45 days then it was permanent, and they in fact didnt resolve it on the 45th day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
Im 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 2022-10-18 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: MI

Complaint narrative:
Im 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 2022-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is to do with claim # XXXX as I previously stated I don't know what this is about. Portfolio debit collections continues to call me everyday. I can only say if it's a credit card debt it's from over 20 years ago. Listed is phone numbers from them XXXX, XXXX. In XXXX I was divorced my ex husband was ordered by the court to pay a XXXX XXXX credit card if this is it otherwise I have no idea what this is. Portfolio doesn't leave a message and didn't send me any info about this matter. I'm deaf so I don't talk on phone I'm on XXXX XXXX have told you before I have no idea what this claim is. They were calling XXXX times a day now since I complained it's once or twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: NY

Complaint narrative:
XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXXXXX Made on : XXXX XXXX Made with : TRANSUNION Made by : XXXX XXXX XXXXXXXX Made on : XX/XX/XXXX Made with : TRANSUNION To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Thank you!

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 2022-10-18 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: SD

Complaint narrative:
I have disputed with Experian my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses. 

They have confirmed and verified apparently but yet which social security is mine? 

What is the correct legal name of mine? 

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of 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 non-monetary relief
Consumer complaint received 2022-10-18 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: AUTOMOTIVE CREDIT CORPORATION
State: NV

Complaint narrative:
In reponse to my initial complaint against Automotive Credit under complaint # XXXX, Automotive Credit admits they no longer hold ownership of this account and they admit to selling the account to XXXX ( debt buyer ). However Automotive Credit is still inaccurately and illegally reporting a balance due on my credit report. I no longer owe Automotive credit any balance because the balance was sold and to be collected by XXXX ( current owner of sold account ). Since there is no obligation to pay Automotive credit and the obligation is now to pay XXXX, it is illegal according to the FCRA for Automotive to inaccurately report I owe any balance to them when the balance is actually owed to 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