vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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 filed 3 complaints now over this issue. Latest response for XXXX XXXX  was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: PA

Complaint narrative:
I have filed 3 complaints now over this issue. Latest response for XXXX XXXX  was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MD

Complaint narrative:
I have sent a certified letter to Trans Union to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to Trans Union as follows : XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: Penn Credit Corporation
State: PA

Complaint narrative:
I have filed 3 complaints now over this issue. Latest response for penn credit was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these accounts.

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 2022-06-29 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these accounts.

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 2022-06-29 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: MD

Complaint narrative:
*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX, has violated my rights. 

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

*15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to violate federal law for years. Please find my correspondence in accordance with law attached to this federal 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 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity bank systems are down. Unable to make payments, use the card or login. Unable to contact phone support either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: ALLIANT CREDIT UNION
State: MN

Complaint narrative:
I have filed complain regarding Alliant Credit Union pulled my credit report without my consent. Which I got the same reply from Alliant credit union ask me to call the number of XXXX XXXX XXXX  to report theft identity claims so they can do the research for me. I have called the number on XXXX as well as XXXX. The representative just took my name and my number and say the fraud department will contact me, but I have never receive a call from them. I am asking Alliant credit union to get hold of me and to prove that the inquiry was legit or remove the inquiry. DO NOT send a letter ask me to call in, I did but I never heard from Alliant credit union. Call me instead and explain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: MD

Complaint narrative:
I have sent a certified letter to XXXX XXXX to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to XXXX XXXX as follows : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CUSTOMERS BANCORP, INC
State: GA

Complaint narrative:
on XX/XX/22 I closed my XXXX XXXX creditcard issued by Customers Bank # XXXX. 

I called the next day and sent a private email to make sure this was done as customer service is lacking in this company, the assured me via email it was closed, upon reviewing credit reports this account is showing active, upon disputing this the 3 credit bureaus the results were account is open and active this was updated by Customer Bank on XX/XX/22.

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 2022-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Company refused to refund my fraud claim amount that i close and i told HSBC THAT the XXXX transaction was vaild for {$1200.00} and they never return it to my checking account and it cause the account to go overdraft and the fraud claim was closed and denied and i never wanted this claim to be open back in XX/XX/2022 and i havent recived my funds revered back into my XXXX XXXX account for {$1200.00} and it was reverse on the XXXX i told this company to close this fraud claim and send the funds back to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Please see the attached documentation, including the most recent letter that was sent to U.S. Bank on my behalf. U.S. Bank misrepresented to the CFPB that U.S. Bank was unable to locate a call or record of a payment being received pursuant to the XXXX XXXX XXXX XXXX. But U.S. Bank has received multiple copies of the affidavit of its own employee who witnessed me make my mortgage payment and also witnessed the mortgage dept represent to me that payment had been successfully made. I've also been informed by various U.S. Bank agents that U.S. Bank phone calls are recorded and therefore there should be a voice file as well as a call record for that particular date. U.S. Bank has repeatedly misaddressed correspondence to both myself and my representative and acted with deceit by stating to the CFPB that it could not reach myself or my attorney. U.S. Bank 's response to my first CFPB complaint is full of false statements. I am entitled to receive the same rate and terms for my mortgage that was in the XXXX offer sent to me in XX/XX/2021 and which I accepted. That XXXX  should have never been revoked and I should not be disadvantaged because of U.S. Bank 's error in failing to process the payment when they expressly represented to me that this payment was made/processed successfully.

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 2022-06-29 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: KS

Complaint narrative:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people. 
These are clear violations of my federal protected consumer rights.

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 2022-06-29 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: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, Wells Fargo Bank was served a legal order by the XXXX XXXX County Sheriff Department. The legal order is for a person with the same first and last name, but different middle name and address. The name is a common XXXX  name. {$15000.00} was erroneously withdrawn from the 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 explanation
Consumer complaint received 2022-06-29 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: CA

Complaint narrative:
In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXXXXXX XXXX  - Account XXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

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 2022-06-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Company response to consumer: Closed with explanation