vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Lifting a credit freeze with Equifax We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen withing 1h if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax has still not lifted the freeze after 21 days of us trying to lift the freeze ( online, by phone, via fax and via mail ). 

The details are : XX/XX/XXXX : worked through myequifax.com to lift the freeze, errors out at the end requesting a phone call XX/XX/XXXX : Called Equifax, Agent claims they have no credit report / info on me and I should contact my bank to transfer information. While on the phone, I requested 1 out of my 6 free credit reports only at myequifax.com which lists all the info meaning their claim that they don't have anything on file for me is wrong. Agent informed me that I'll have to fax a copy of my driver 's license ( DL ) and social security card ( SSN ). Sent fax to specified fax number. 

XX/XX/XXXX : Sent letter # 1 via regular mail with copy of DL and SSN ( since no answer to fax ) XX/XX/XXXX : Received letter from equifax claiming they are unable to locate my record stating they need my DL and SSN ( which I already sent per fax ) and all former addresses XX/XX/XXXX : letter # 1 delivered per XXXX tracking, equifax had to sign for it XX/XX/XXXX : phone call, equifax asked me to take a picture of DL front and back live using a weblink and a selfie. Agent confirmed live that DL looks good and Agent can confirm by selfie and DL my identity. They confirmed my identity but still can't lift the freeze ( unknown reason ) and asked to send DL and SSN which I had already faxed and sent by mail. I asked Agent what to do next since I know the PIN for freeze ( they claim they don't use the PIN anymore, so useless ), I've confirmed my identiy via live scan of DL and selfie, I can access all my data including the credit report online, I've faxed and mailed copies of DL and SSN already. No clear answer, neither from Manager who I escalated it to, on what to do next, apart from them claming they have received no info and I need to send copies of DL and SSN. 

XX/XX/XXXX : sent letter # 2 and letter # 3 including all former addresses to XXXX XXXX XXXX XXXX because instructions on XX/XX/XXXX including two different XXXX XXXX XXXX. 

XX/XX/XXXX : today ( still frozen per myequifax.com )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
USBank XXXX XXXX  XXXX account for my business issued checks from bank and info on these transactions is being sent via email to a former business partner without my consent. They wont correct the email on their end. I have asked for a formal investigation with no response. They want me to cancel bill pay and redo but I want them to fix this on their end. When former business partner left 4 yrs ago we closed business account and each opened up our own separate accounts on different days with our own personal information provided. This former business partner thought her account was hacked when she received info on checks she did not issue. She recognized a vendor of mine last month and sent me a text of an email she received. The bank claims to not know how this happened and says they cant fix it in their end. I want a formal investigation and reassurance that this has been corrected and what they are doing to prevent it from happening again

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 2023-03-06 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: FL

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am stressed and displeased that I see there are fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a breach some months ago so I thought you all would protect my consumer report. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now for me and my family. Upon looking at my report, I see that a 3rd party company has my information. For you to sell my information is FRAUD and neglectful on your behalf. You all can get sued for these damages. This is negatively effecting my livelihood. I feel your database is inaccurate and I am filing ligation against 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 2023-03-06 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX ( copy enclosed ) regarding a debt that is not mine which I previously disputed with Asset Recovery Management ( copies enclosed ) who failed to validate under the FDCPA and FCRA. Asset Recovery sold a debt that was not validated to XXXXXXXX XXXX  XXXX XXXX. 
When I received the letter from XXXXXXXX XXXX XXXXXXXX, which was originally sent to the wrong address, I immediately replied via certified mail ( receipts included ) advising them this debt was not mine. Today, XX/XX/2023 I received another letter from XXXXXXXX XXXX  XXXX demanding payment and claiming a copy of a loan agreement that does not contain my signature or any other identifying information, constitutes as debt validation. They have also stated I have 7 days or they will assume I dont have any other validation requests. These agencies abuse consumers because we dont know all the laws that are set in place to protect us. Im filing a complaint so that CFPB protects my rights and this agency stops its illegal and abusive practices. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX  : # XXXX 2. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX 4. XXXX XXXX XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, 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 2023-03-06 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: CA

Complaint narrative:
Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX : # XXXX 4. XXXX XXXX  XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NJ

Complaint narrative:
Upon viewing my credit report I discovered an account I do not find familiar

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 2023-03-06 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi the first of the month I noticed there was charges on my account two charges for XXXX $ $ checking second savings {$900.00} I proceeded to call Chase financial JP Morgan Went through all the questions and everything etc etc they gave me {$100.00} in my account... This morning I get a email saying no fraud was recognized in this incidents because the person had my debit card and pin number ... Where the transactions took place was like XXXX Missouri over 6 hours away from me... I have done everything I thought I was asked to do from the bank still no money ... Add this what they told me today something about XXXX wallet on my phone that how get my information add to that part everything on my phone is fingerprint protected and password... There not willing to work with me at all because they said the person had my PIN number told me it loss have a good day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 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: LA

Complaint narrative:
Please remove thse innacurate Inquiries on my credit report, and I'm begging you that all of these Inquiries Fraud. See the Attachment bellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: CA

Complaint narrative:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Personal Information is incorrect. These credit bureaus are not even major companies but LLC companies and is adding anything to my credit report. 

The following is incorrect. 

XXXX XXXX XXXX is not me as I have stated numerous times before. Also, anything attached to this last name does not belong to me. 

I have attached my drivers license for your records. Also, my information is for verification purposes to correct my credit report. It is not to be shared with anyone else outside of the credit bureau to validate information from any outside company. Because they should have that information on their own if they are trying to validate a debt. If my information is shared outside of the credit bureau and continue to appear. I will be contacting my attorney.

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 2023-03-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ollo Card Services reported a transaction dispute to all three credit bureaus which caused my credit score and my wife 's credit score to decrease. I've never had a dispute result in a decreased in my credit score. CFPB : Is this process legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

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 : # 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 non-monetary relief
Consumer complaint received 2023-03-06 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: FL

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 : # 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