vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023, a scammer contacted me posing as a Fraud agent from Wells Fargo. At first I received a text message, telling me I had a XXXX charge, if I didn't authorize to respond yes or no. I replied no. And immediately I received a call from what I thought was Wells Fargo, the number appeared as Wells Fargo in my phone. I talked to what I thought was an agent. From there, I was decieved. Next thing you know I realized it was fishy, I called the bank after XXXX had been taken from my account. Through XXXX scam. I called wells Fargo and they open a claim only to tell me I authorized the payment and was not going to get my money back. 

I have several witnesses that also believe it was a three way transfer. The person posed as 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 2023-07-10 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: AL

Complaint narrative:
on XX/XX/XXXX a XXXX XXXX XXXX was fraudulently reported on my credit and on XX/XX/XXXX XXXX  WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I completed citi bank accelerated saving account bonus as required starting XX/XX/XXXX ending XX/XX/XXXX with a balance of XXXX in which I should have received a bonus of XXXX automatically on XX/XX/XXXX or an extra 30 days later. Needless to say I didnt receive my bonus even after taking about month to complete Verification of account via w9 which was never stated needed to be done. After I made sure my account was verified around XX/XX/XXXX a whole month after I should have received my bonus I switch to the prior plan for checks. Never was I told if I switch I wouldnt receive bonus which I qualified and complete XX/XX/XXXX. Citi bank refuses to honor their obligation of issuing me my XXXX dollar bonus which I want ASAP! They continue to make me open claims and would never send emails or communicate decision! I opened several claims with poor customer service! Citi banks provided me XXXX as a inconvenience payment which conveniently is the lower amount due for the accelerated saving bonus requirement because they know they are culpable to pay me my full XXXX but they wont do it. I want my full XXXX US dollars to be provided which is owed to me for keeping my end of the bargain! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
on XXXX XXXX i noticed a debt collection issued on my credit as a result of identity theft i ask that it please be removed!!!! 


15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
A XXXX XXXX XXXX XXXX starting with XXXX ) is showing a charge-off in XX/XX/2018 on Experian ; however, this is no missed payments showing previously. Thus, the charge is clear attempt by XXXX & Experian to negatively affect my credit report for more than 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit Collection Services is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from Credit Collection Services showing we had a contract as well as the agreement between Credit Collection Services and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX in the amount of {$16.00}. I reached out to XXXX XXXX and asked do they sell debt they stated no ( I'm well aware of my HIPPA laws ). I could sue Credit Collection Services for violating HIPPA laws. Credit Collection Services has violated multiple HIPPA laws and I have my lawyer on hand to sue Credit Collection Services for the violations of my medical rights. Also their information has not been reviewed by a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: IL

Complaint narrative:
The moment I received the duplicate of my report that I purchased with XXXX XX/XX/2023, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: NJ

Complaint narrative:
Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act.

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days.

The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed.

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: NJ

Complaint narrative:
Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act.

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days.

The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act. 

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days. 
The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: MA

Complaint narrative:
I am writing to file a complaint and seek assistance regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received a response from them to date. As a concerned consumer, I firmly believe that Equifax has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : 1. Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}. This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 

Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief