vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've paid multiple credit repair companies due to Equifax Data Breach exposing my Personal Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 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 THIS IS DIRECTED TO XXXX XXXX TRANSUNION

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 2023-05-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 15 U.S.C 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 THIS IS DIRECTED TO EQUIFAX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$790.00} XXXX XXXX XX/XX/XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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:
Due to data breach my personal information was leaked and used by a fraud person

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 2023-05-02 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: IL

Complaint narrative:
Due to data breach my personal information was leaked and used by a fraud person

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2023, at XXXX I received a phone call from someone claiming to be a Wells Fargo agent. He claimed there was fraudulent charges on my account and he asked for some of my personal information. I gave him the last four digits of my SSN and the pin number for my debit card. After this I called the Wells Fargo fraud number and they informed me my debit card was cancelled and reissued. I found out the scammer tried to withdraw {$1000.00} which was denied and set up XXXX XXXX which I did not authorize. I have already spoken with Wells Fargo, XXXX and the FTC. His name was XXXX and the phone numbers he called me from are XXXX ( XXXX ) XXXX and 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 2023-05-02 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: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I am writing to dispute a collection account that is reporting different dates of last activity on my credit report. The creditor in question is Bull City Financial. 

I have reviewed my credit reports and noticed that this account is being reported with multiple dates of last activity. Specifically, the account is being reported with a date of last activity of XXXX  and XXXX. I believe this reporting is inaccurate and is negatively impacting my credit score. 

According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and complete information about me. The reporting of multiple dates of last activity for the same account is inaccurate and confusing, and I believe it is in violation of the FCRA. 

I have reached the credit bureaus and the creditor regarding and it has not been resolved. I am requesting that this account be deleted from all credit bureaus. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As XXXX XXXX I wrote this letter to equifax I am writing this letter to request that Equifax Information Services LLC report XXXX current credit information to credit reporting agencies as required by law, and to inform you that your failure to report my credit information may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Adverse Action Laws, as established in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite having multiple credit accounts and a credit history, my current credit information is not being reported by Equifax. This is causing my credit score to be lower than it should be, and it is impacting my ability to obtain credit and other financial services. In addition, your failure to report my credit information may be in violation of the Adverse Action Laws, which require that you provide consumers with a notice of adverse action when you deny credit or take other negative actions based on information in their credit file. 
In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Supreme Court held that adverse action under the FCRA includes " a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, among other things. The Court further held that an adverse action notice is required whenever adverse action is taken, and that the notice must include certain information, such as the specific reasons for the adverse action, the credit score or other credit information relied upon, and the consumer 's right to obtain a free credit report from the reporting agency. 
Therefore, I am requesting that Equifax update my credit file to include my current credit information and any other relevant information, so that it accurately reflects my creditworthiness. The following are the details of my account ( s ) that I believe should be reported : [ List the name and account number ( s ) of any credit accounts that you believe should be reported ] I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Please let me know if you require any additional information to update my credit file. 
I appreciate your attention to this matter and request that you take prompt action to report my current credit information as required by law. If I do not hear from you within 30 days, I will be forced to take further action, including seeking legal counsel to ensure that my rights are protected. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone by the name of XXXX XXXX from Light Stream Loans promised me a loan, but instead by bank account was closed due to bad checks being deposited into my account. XXXX XXXX was submitting the checks but did not inform me the checks were bad. He instructed me to purchase gift cards after the funds were available. I followed his instructions but did not get the loan as I was promised and my bank account was closed due to the checks coming back bad. This is bad business and it is illegal. I should not be made as the guilty party considering I did not right the checks or deposit the checks. I am the BORROWER in this instance, NOT THE LENDER ( Light Stream Loans ). Can someone at Consumer Financial Protection Bureau please look into this for me and find out what is going on?

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I pulled up my credit report & it shows an incorrect address where I am living and they opened an AMEX card on XXXX. My address was changed on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
UMB refuses to close a Visa card that I want closed. I have gone through this with them over many years. A charge was run through from a company I charged a subscription on many years ago. I paid the charge and closed the card again. Now they are trying to charge me late fees and interest on a card that was supposed to closed. They can't close the card because of the late fees and interest, which were not supposed to be there to begin with. This is predatory lending. I can't get anywhere with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I keep receiving emails from the following company regarding another person 's debt. The company has refused to stop emailing me after I notified them I was not that person. 

TSI Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Office Hours : Monday through Thursday  XXXX to XXXX, Friday XXXXXXXX to XXXX, Saturday XXXX to XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-05-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-05-02 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: AZ

Complaint narrative:
I submitted a letters to Transunion, XXXX, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from Transunion, XXXX, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to Transunion, XXXX, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it. 
2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my Transunion, XXXX, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.

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 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is for Regions Mortgage. I am currently a co-signer on a mortgage for property located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. My niece XXXX XXXX makes the payments. As stated above, I am the co-signer ( XXXX XXXX ) for this mortgage loan. When my niece does not pay the mortgage on time and is over 30 days past due, Regions sends a derogatory remark to my credit report, as co-signer. I have called Regions Mortgage numerous times and asked that they call me and notify me when the mortgage payment is over 10 days past due so i can follow up with my niece or make the payment. They tell me that under the law they do not need to notify me however the reason why I'm filing this complaint is that they should be notifying me when a payment is late as I am the co-signer and responsible for the payment if my niece does not pay. They are hitting my credit report and I would not think this is legal under the fair credit reporting act. I appreciate your assistance on this matter.

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
To whom it may concern : I am a customer of My Navy Federal & my Acct was frozen by XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. My Account has been Cut off for more than 2 yrs by these People for a balance of {$14000.00} according to this company this judgment was entered on XX/XX/2003. at this time I was incarcerated most of XXXX into XXXX before that i was living at XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal went off the word of this company & closed my acct off to me. this case has never went to court plus it is over 20 yrs old. I believe this is a Scam as stated by the Attorney General 's Office. Navy Federal Excuse is they are a third party & Have been given a court doc by this Lawyer by looking at this Info Subpoena with restraining notice, Paperwork not signed by a Judge or officer of the court no court seal nothing it looks like something made up in the kitchen. I need help badly its been 2 yrs please someone help me. Navy Federal is wrong for this in my eyes with out proof of anything that this case was ever in court. I even XXXX these people the had a fraud case trying to get funds out another woman froze her accounts & she sued them. i can not uploaded the photos so I will be sending them once i get them printed up. BTW this is not even on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NY

Complaint narrative:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXXXXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/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 2023-05-02 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: NY

Complaint narrative:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/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