vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 XXXXXXXX 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 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 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had the lowes advantage card and always paid on time. So I went to make a payment on it XXXX and they accepted my payment. So I went to use it to buy something and did not work. So I paid cash for stuff I needed on same day. So then I go outside and call and they quickly told me they closed it due to credit with out any notice.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my XXXX file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXX XXXX ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my XXXX file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXX XXXX  ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX of last year, during this time, I was a victim of fraud, someone took my credentials open accounts everywhere and went into my Chase account, and XXXX them selves money from XXXX account to the other, will both be in my name, but I was in jail, I have tried to deal with Chase for months now they start a total of almost {$27000.00} and I have only gotten back {$6400.00}, this investigation has escalated so much that no one knows whats going on and I need to get my money, they stalled {$27000.00} in Chase allowed in additional {$11000.00} of overdraft. 
Through investigation, I have now learned the name of the suspect is XXXX XXXX, he change my numbers address, emails everything they had to do with my account and created fraud, I keep dealing with Chase here in XXXX. No one knows whats going on so many people have gotten involved in this case that no one knows whats going on in time keeps going by, I need your help. 
I will attach my proof of incarceration and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A collection should never show as a open account, on a credit report and should never have a past due balance as you can see on page XXXX of my Equifax credit report. 
XXXX Acct # XXXX have these errors, everything on a credit report must be 100 % accurate if not it must be deleted. 
By Law 15 USC 1681s-2 Responsipilities of furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors, 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 As you can see in complaint XXXX, they knew of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
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 explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I been a victim of identity theft these are accounts they opened with my name and they do not belong to me please removed them : 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 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with fair credit reporting and XXXX  account # XXXXhas violated my rights.

15 u.s.c 1681 section 602 A. States I have the right privacy.

15 u.s.c 1681 section 604 A. Section 2 it also states a consumer reporting agency can not finish 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This debt is reporting incorrect information on all XXXX reports. The date open is all different as well as the credit type, and date closed. This information is very misleading and incorrect. I have attempted multiple times and for multiple years to have the information corrected or deleted. Neither has happened and it is currently showing different on all reports. I am asking this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I was looking for a new apartment to rent but when the property management run my credit report, they saw a lot of negative accounts with charged off debts under my name. I was shocked and horrified when I heard about it because since I came here in the US I never had or opened a credit card. So I asked for a copy of my credit report and they got it from XXXX. Then there I learned that I was a victim of identity theft. So I reported it immediately to XXXX and place a freeze or fraud alert in my credit report. I also did file a police report, file an affidavit to FTC, and called all the banks/creditors in my credit report to dispute all those fraud accounts. There was 10 fraud accounts on it, thankfully, 7 were already disputed and removed in my credit report but unfortunately, 3 were still there ( 1 account from Wells Fargo amounting to {$14000.00} opened on XX/XX/XXXX and 2 accounts from XXXX amounting to {$8.00} and {$15.00} opened on XX/XX/XXXX ). I reached out to Wells Fargo several times since last year, and even if I already submitted all my supporting documents and told them that I am a victim of identity theft, they keep on denying my claim. They keep on sending me letters stating that my claim was denied because the account was accurate and so I am responsible for that but they did not even send me any proof or ask for supporting documents. That is why I am filing this complaint for Wells Fargo and XXXX because I dont think they are really investigating my case thoroughly and they dont even care for a victim of fraud and theft like me. As a result, I am having a hard time now to get an apartment for myself because of the bad credit that I have and its even harder for me to start on building my credit because of this horrible situation that I experienced.

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have reached out to Citibank credit card customer service to reduce the APR for purchases regarding my account, but have been unable to do so. I have been a client with them for over XXXX  years, never missed a payment due date and have a good credit record background. I believe the APR percentage of 28.49 % is too high for the account. And it should be taken into consideration having it reduced.

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I tried calling Wells Fargo about all the overdraft fees I was being charged. They charged over {$1000.00} in overdraft fees since I open my account. This is really unfair.

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