vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX XXXX XXXX. 

XXXX  XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX ( XXXX Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX FOR XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 non-monetary relief
Consumer complaint received 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXX XXXX XXXX XXXX Unfortunately, I had to return the XXXXXXXX XXXX about a XXXX later. I had paid XXXX XXXX  payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXX XXXX XXXX account and I never got my refund check for the over payment.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXXXXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXXXXXX XXXX XXXX account and I never got my refund check for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXX XXXX XXXX  account and I never got my refund check for the over payment.

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 2022-11-07 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: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

XXXX XXXX XXXX XXXX Account Number: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 2022-11-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

Complaint narrative:
So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan two cards that don't belong to me at all they are a result to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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:
So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan XXXX cards that don't belong to me at all they are a result to 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 2022-11-07 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: CA

Complaint narrative:
Experian credit reporting agency failed to properly investigate and provide XXXX documentation to the creditor which resulted in irreparable harm to the consumer. 
On XX/XX/2022 a request to investigate a fraudulent account reported by XXXX XXXX  was requested to be investigated. Additional documentation was provided to Experian through experience upload documentation system. This information was relayed to the representative for Experian which intern, placed the consumer on hold as a research to find the documentation. Whats the documentation was located, the dispute was initiated. 
On the same day that the dispute was initiated, a email was sent out stating the following : We can not process your dispute online please contact us below or Experian dispute specialist are available to assist you. It also said to use report number XXXX XXXX. I found this to be very peculiar because my dispute was done over the phone with an agent. My dispute was not at any time conducted online for two reasons, Experience dispute system does not allow you to submit any items pertaining to fraud online. So there is no way that request couldve been submitted. 

Secondly, the other items that were removed and deleted were submitted under Fraud at the same time. So its impossible for half of the request to be submitted and the other half not to be submitted. 

Is gross negligence is a failure by Experian Reporting agency to properly investigate this item pertaining to fraud and, to properly submit new pertinent information that was uploaded to Experian pertaining to this fraudulent account. 

Failure by experience to properly maintain my file has cost me irreparable harm that I am financially suffering from today. 

Failure to properly investigate this report, and provide documentation to the creditor so that this could be resolved the way the system intends it to be has created a gross violation of the FCRA fair credit reporting act. 

His account has been sitting on my credit report for the sole reason that Experian failed to properly provide documentation to the creditor pertaining to fraudulent item disputes in accordance with the fair credit reporting act and fair credit debt collection act. 

The documentation speaks for itself. It shows that XXXX XXXX  clearly stating they never received any fraudulent Documentation that was uploaded to Experian. Experian never provided the information and this is validated by the simple fact that XXXX XXXX  as clearly stated they didnt receive anything from them. Therefore a proper investigation was never done and never properly completed.

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 2022-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm submitting a complaint on behalf of my daughter, whom has a credit freeze placed on. her account as she is a minor. 

In XXXX, I received a letter from Experian that described itself as being Dispute results. The letter was dated XX/XX/XXXX and the report ID is XXXX. I was perplexed, since my daughter is 1 ) a minor and 2 ) has had a credit freeze in place since I placed it on her profile in XXXX and 3 ) we initiated no dispute. The letter itself had no information that could be read to understand what was being disputed, however the bottom of the first page did say the outcome was that something was updated.

After receiving the letter I then went to annualcreditreport.com to attempt to order a credit report from each bureau, however I was unsuccessful. I am guessing that this has to do with either the freeze or it being a freeze on an account associated with a minor. As a result I ordered physical copies of all 3 bureaus to be sent to me ( by phone ). 

To date only one has come, that being the Experian one. That letter dated XX/XX/XXXX with a report ID of XXXX. The letter similar to the dispute letter has nothing that shows on the credit report. However the concern that I had was that I did not initiate a dispute for my daughter and I need to know if her information was accessed, which could be reasonably concluded based on the language of the dispute letter. 

Today ( XX/XX/XXXX ) I called Experian using the number identified on the credit report letter ( the dispute letter had none ). After again unsucessfully attempting to verify, though all details were entered correctly I got the runaround from Experian 's automated system. The XXXX literally stated that they can only transfer to a live person in certain circumstances ( without explaining them ) and it kept trying to direct me to communicating via website although automated efforts have not been seamless thus far in interactions around this topic. 

Given the difficulty in getting information and not being able to speak to anyone I decided to submit a complaint this way to try and get a clear idea of what has occurred on my daughter 's 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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I sold my house this year and XXXX Mortgage send me a check for my remaining escrow. I deposited this check into my chase account ; however Chase bank put a hold on the check. I called chase bank, and they said the check can not be verified. I called XXXX Mortgage, but they said the check is valid. The guy I talked to at XXXX said it is weird that they cant verify the check. 
Later, Chase bank closed my account and put hold on my check. 
I called back XXXX Mortgage to reissue me a new check, but they said chase bank has already cash the check, so they can not issue me a new Check. 
I called chase bank again, and I told them to call XXXX to verify the check, but the woman said they can not call XXXX Mortgage. 
As at now, XXXX is still holding on with my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
The following Inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX EQUIFAX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX2022 Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX date of XX/XX/2022 it was duplicated please help me correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
The following Inquiries I do not recognize : XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX XXXX2 XXXXXXXX XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX  date of XXXX it was duplicated please help me correct this.

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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Made an online purchase on XXXX-22. XXXX XXXX via Wells Fargo website. I soon discovered that the purchase was fraudulent. Contacted WF for resolution. They opened a fraud claim that was denied for reimbursement on XXXX22. I contacted them again to argue my claim. Agent stated they dont refund these types of transactions!! I deactivated my XXXX account, as I will never use it again for any transactions. It has exposed its nasty underbelly to me!!!

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 2022-11-07 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:
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the original application with my signatures like I have requested. 

Furthermore, since I have not been supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prime Recovery LLC
State: TX

Complaint narrative:
Took out a loan with XXXX XXXX on or about XXXX in the amount owed of {$1000.00}. Was unable to repay the loan and it was turned over to collection. We finally were able to pay a compromised amount of $ XXXX % of the amount owed. At the same time XXXX XXXX turned our loan over to other collection agencies. A second agency attached fees and demanded {$1800.00}. We only had 1 loan and as such only paid from the original amount. We paid the debt on XX/XX/XXXX and received from XXXX XXXX a letter stating the matter was closed and it is dated XX/XX/XXXX. We are now being harassed by Prime Recovery LLCXXXX XXXX. They are also harassing my XXXX XXXX XXXX mother. On XX/XX/XXXX I send a letter and documentation stating to " Cease and Desist '' with proof of our payment. The letter and documentation was received by Prime Recovery LLC 's office on XX/XX/XXXX at XXXX. I am now keeping records of all calls to our home, emails, cell, my husbands work cell and to my mother. Just today they contacted my mother 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
ACCORDING THE FCRA, This company has VIOLATED my consumer rights!! NONE OF THIS INFORMATION WAS SHARED WITH ME FROM THE COMPANIES LISTED BELOW. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Name : CB Indigo Account Number : XXXX Account is reporting late 60 days XX/XX/2022, late 30 days XX/XX/2022, XXXX  30 days. Remove this late payment immediately. 

MY PERSONAL INFORMATION WAS SHARED WITHOUT MY CONSENT! DELETE THIS LATE PAYMENT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TX

Complaint narrative:
This is my NUMEROUS 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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