vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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: MI

Complaint narrative:
The Credit Companies are not complying with their own policies in a timely manner!

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 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I received a notice from a debt collector. I called the company that filed the original complaint about the unpaid debt. They confirmed that the account was opened using my social security number but that the driver 's license number was different. They recommended I file a police report for possible identity theft. My local Sherriff 's office created a case and recommended I also file a report with the SS office.

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 2022-06-14 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: DISCOVER BANK
State: OK

Complaint narrative:
i have credit card applications from XXXX, XXXXXXXX XXXX, and Discover card and not sure how many more on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, these companies have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-06-14 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:
On XX/XX/XXXX, called XXXX spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at XXXX that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, XXXX and Equifax never did and failed to do a proper Investigation according to FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL!

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.
15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Also, XXXX took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc
State: CA

Complaint narrative:
A representative from RNN Group contacted my employer asking for my work status and to verify the last four of my social security. I told them to cease all communication immediately and they called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
The XXXX XXXX account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for Transunion credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, Transunion must delete fraudulent account reporting by XXXX XXXX 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 2022-06-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account numbers 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.

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 2022-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the week of XX/XX/XXXX, I was contacted by " XXXX '' from " XXXX XXXX XXXX XXXX '' ( supposedly located in XXXX, GA ) about a proofreading and copyediting job that I applied for on a freelancing platform called XXXX. She said that I would be a good candidate for the position, and her associate, " XXXX XXXX, '' will get in touch with me over XXXX should I be selected for the role. After talking to XXXX, she informed me that I had been selected for the role. She sent me an offer letter for me to sign and return, and startup funds totaling {$4600.00} to purchase work equipment ( i.e., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and installation & handling fee ). On Thursday, XX/XX/XXXX, XXXX instructed me to contact the company 's approved vendor representative, " XXXX XXXX, '' via text message to transfer the funds through XXXX to purchase the necessary work equipment. XXXX instructed me to transfer the funds in {$500.00} increments. After I transferred a total of {$1500.00}, my bank ( i.e., Bank of America ) alerted me that this was a scam and that I should stop all communications with these individuals. In total, I lost {$1500.00} to this job scam. 

I filed a claim with my bank immediately to see if they would credit the amount that I transferred to XXXX. However, after waiting for a period of 12 days, Bank of America informed me that they were unable to approve my claim because their records indicated that the transfers were completed according to my instructions, so, therefore, no errors occurred on their end. I'm disappointed in their response because I believed my situation met the parameters set forth under Regulation E ; however, there was no mention of that anywhere in their letter. They are currently in touch with the bank that received my transfers ( i.e., XXXX XXXX ) in an attempt to recover the funds. This may take up to 45 days ( as of XX/XX/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 2022-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposit my employee check and the Wells Fargo bank located in XXXX and XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XXXX ), and the bank put a hold on my check due to a recent returned check but I have not deposit any check that has been returned. As per the bank, the check will be available on XX/XX/XXXX - 9 days. I am the only provider for my house. By the bank holding my money, it has brought me hardship. My card is in line to be repossessed since it was due, I have to pay my car insurance, electricity and water ; my child and I have not have a good meal for 9 days - we have been surviving on spaghetti and I had to asked my aunt for water to drink. One of my bill kicked in on XX/XX/XXXX and they just charged me an overdraft feed for insufficient funds when the money is there, I can see that hey are taking my money. This bank charges people overdraft on top of overdraft which and it is wrong.

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 2022-06-14 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The GM FINANCIAL account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for XXXX credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, XXXX must delete fraudulent account reporting by GM Financial from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: OK

Complaint narrative:
i have credit card applications from XXXX, XXXXXXXX XXXX, and XXXX XXXX  and not sure how many more on my credit report that are not mine

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 2022-06-14 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: OK

Complaint narrative:
i have credit card applications from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and not sure how many more on my credit report that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several accounts being reported on my credit report. I do not know any of theses companies. I have never done business with any of them. These collection companies do not have a contact with my sigature.

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 2022-06-14 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
( ONCE AGAIN I AM NOT ARGUING MY ACCOUNTS IM ARGUING YOUR ERRONEOUS REPORTING WHICH IS DESTROYING ME AND MY FAMILY 'S LIFE. 

Navy Federal Credit Union is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

YOU ARE REPORTING MY CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT ONCE IT IS CHARGED OFF AND PLACED ON A CREDIT PROFILE. 

the IRS clearly says a Cancelled debt or Charge Off is income : The reporting of these account as DEBT is inaccurate : THIS IS WHERE YOU ARE IN VIOLATIONS As defined by the IRS income does not get reported on a consumer report once a charge off is put on your credit. YOU MUST REPORT CANCELLED DEBT AS ( GROSS INCOME ) ON YOUR TAX RETURN WHICH MAKES YOUR REPORTING ON MY CREDIT PROFILE INACCURATE. { IRS publication ) 1099-C I have several charge offs on my credit profile from NF ONCE AGAIN I am requesting duplicate 1099-Cs for the following accounts : These accounts are reporting inaccurate according to the law. 

{ XXXX } { XXXX } { XXXX } { XXXX } IT IS MY CONSUMER RIGHTS TO REQUEST THIS INFORMATION I KNOW THE LAW AND YOU NAVY FEDERAL HAVE IGNORED MY REQUEST OVER AND OVER. 

I am requesting additional information did you charge off any of these accounts with the Internal Revenue?

Did you file any of the following debts on NF taxes as a { lost of income }? and if so, have you received { a tax credit }. 

According to the IRS rep my taxes are upside down because all of the income NF is reporting on my credit profile with there 1099-C 's reducing your tax burden and increasing my taxes.

The IRS says reporting of a charge off is inaccurate for the simply fact that a charge off is gross-income.

A Lender must file 1099-C and send you a copy if the amount the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or applicable entity.

15 USC 1681s2 : Says you NF are a furnisher of information to a consumer reporting agency you are PROHIBITED by law to furnish inaccurate information I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.You are hereby put on NOTICE : that your are furnishing incorrect/inaccurate information on my consumer report. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
to whom it may concern i have some very damaging incorrectly reported information by us department of education on my credit report that has kept my score and credit worthiness down for years kept me for certain jobs and living options due to this wrong information i have tried to fix this with all credit bureaus equifax on XX/XX/22 XX/XX/22 they are reporting a account status : past due XXXX  days late on closed account they reporteding a late payment of XXXX without reporting XXXX nothing has been done to fix this problem which are violation for they are not compliant with FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX Bank # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX Bank # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It 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 2022-06-14 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 sent a letter to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus on XX/XX/2022 In regards to The late payments that are reporting on the 3 accounts listed earlier in this conversation. I stated " In light of your company 's verification that I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I'm curious whether any additional consumers are being harmed as a result of your lack of research. What I'm interested in knowing is who you spoke with at the creditor 's office when you first began your said investigation. Also, please provide me with their complete mailing address. Furthermore, please do not send your template letter outlining how you conduct an investigation. I'd like to know exactly how you performed this investigation no outlines, specific details. Im sure you are aware that pursuant to Before you can validate a debt, you must first prove five things, the first of which is proving who the original creditor is, in this case, proving that I am the original creditor, which I have done. You can not legally claim to have conducted an investigation unless you conduct a legitimate investigation, such as one for a criminal offense. You need to speak with my friends, neighbors, family members, and me personally. If you have not completed this step, the investigation is not complete. As a result, you do not have any validation. And all info being furnished is supposed to be verified and investigated on before placing on my credit reports, so you have not properly investigated. You are in breach of the law. 
I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. 
Remove all late payments from my consumer report effective immediately. You are in violation. ''

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 2022-06-14 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:
EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I live in XXXX XXXXXXXX XXXX and work in XXXX XXXXXXXX XXXX which is in the same vicinity charges to my CHIME my credit builder credit card without my authorization took place in XXXXXXXX XXXX on days I was working in XXXX XXXX. I informed Chime Bank that I had lost my wallet and that somebody had gotten a hold of my credit builder credit card and used to make unauthorized purchases Chime Bank further stated that they found no error how could that be when I am working at the time these charges were made I did my due diligence by contacting the merchant where these charges were made and the merchant told me I had to deal with my bank I am complaining because these are unauthorized charges and Chime has denied my dispute on a credit card.

Company response to consumer: Closed with explanation