vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXXXXXX XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 inaccuracy.

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 2022-11-27 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: LA

Complaint narrative:
Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. I am a United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and served with honors, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the DA until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.

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 2022-11-27 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: LA

Complaint narrative:
Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and served with honors, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the DA until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: KY

Complaint narrative:
I need my credit information corrected because it is inaccurate, in accordance with the Fair Credit Reporting Act. The information listed below is incorrect, and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX ( XXXX ), XXXX XXXX acct # XXXX. 602 A. States I have the right to privacy. 15 U.S. Code 1681, Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I gave no one written instructions to release my private information. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these 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 . 1681s2 ( 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. All of this information reported on my credit report is inaccurate, and I can't believe that the credit bureaus are allowing this to be reported and damage my credit.

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 2022-11-27 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The previous company XXXX XXXX XXXX XXXX XXXX not prove they have legal representation of the account in question- # XXXX and # XXXX. I called on XX/XX/2022 and asked for the company XXXX XXXX to provide # XXXX Original Contract with my signature # 2- Creditor information- Original name, address, phone number # 3- payment history and itemized billing associated with this account.

# 4- Proof of ownership they have the prove the authorized to collect the dept and the Change of Title to current owner. 

The company in question was unable to provide proof of ownership and that they are legal to operate in the state of Florida. In the letter the company sent to me does state that the account was prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX " It is not a credit card or other account statement from the original creditor ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Capital XXXX auto XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Ally Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, All Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, TD auto financial 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 non-monetary relief
Consumer complaint received 2022-11-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank sent me a fraud alert message on XX/XX/XXXX and my account was closed and a new card was issued. After the XXXX several charges were also made from XXXX eats and none of these charges were authorized.The following charges were unauthorized XXXX XXXX both on XX/XX/XXXX XXXX both on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX I never use the debit card I filed a dispute and they denied it

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 2022-11-27 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:
XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account with XXXX XXXX and XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified. This is my third attempt to get this account removed from Equifax due to not being able to accurately and thoroughly verify this account. I have received no proof that this account is actually accurate. My FCRA rights has been violated due to the inaccurate information being reported and I will seek legal action per violation if this account is not deleted immediately from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank/Wayfair have continued to violate my consumer rights. on XX/XX/2022, I notified them of the insufficient evidence provided to validate a debt. They have also continued to communicate negative information to my consumer after I informed them to cease communication through all mediums. In addition, they also sold my account to another person without my consent, and I received no benefit from the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
Exeter Finance LLC is reporting an auto loan as a joint owner to my credit report. I have not sign or given my authorization to get any vehicle under my name as primary or co-signer. This vehicle begin reported in my credit report is affecting my finance reputation notability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NM

Complaint narrative:
I checked my credit found this collection account on my credit report Southwest Credit System I was unaware I dont recall get any information on this account or any notice to dispute it I did dispute it with Credit they were removed for 4 days and they put it back on. Under FDCPA Law I had to recive action notice and write to dispute the account. I did not. I want this account removed from my credit and throw it away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My account was closed out of nowhere with no explanation .I have tried to contact chime on multiple occasions with no response and being hung up on multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: UPGRADE, INC.
State: IA

Complaint narrative:
Upgrade, Inc. began sending me emails on Mon, XX/XX/2022, at XXXX XXXX  CT indicating that I had opened up a High Yield Savings Account, which I did not do. Since then, I have received at least XXXX other emails from Upgrade, including information to verify my email, to complete the setup of a Rewards Checking Account, and to rate the quality of customer service received. I contacted Upgrade support at approximately XXXX XXXX  CT on XX/XX/XXXX, to request that they disassociate my email from any account that they have since I have no relationship with them and do not want my identity to be compromised. Although I can prove my email address is owned by me and is not associated with Upgrade, they requested that I prove my identity by providing the last four of my social and my date of birth. Given that I have no relationship with them and felt uncomfortable providing sensitive information over the phone to a bank that I have never heard of, I asked if there was any other way for them to process the claim to remove my email information from whatever account was opened up using my email. 

I provided Upgrade with my name, phone number, and email address, but Upgrade said that was not sufficient to investigate the possible theft of my identity. Since I was uncomfortable providing them with the last four digits of my SSN and my date of birth, Upgrade stated they could not investigate my claim further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have received a few deposits that were pretty large in my account. Next thing I know they freeze my account saying they need to prove my identity and proof of address an exclamation of where my phones came from which I did so I then called the company and they there that they received all my documentation and that I should have it resolved in two days I cant get anyone to answer any questions now my account still frozen and I had more money that was going to be deposited. Thats lost in limbo now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through XXXX. XX/XX/2022. Please see attached

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 2022-11-28 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: SC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through XXXX. XX/XX/2022. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation