vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: UT

Complaint narrative:
I noticed a hard inquire on my credit report on XX/XX/2022, I contacted the company that performed said inquiries and they stated they did it to find out where currently lived. I told them that they did not have my permission to run my credit and they stated they did not need it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX  placed an account opened XX/XX/21 through identity theft with Credence RM for collection. XXXX reduced my credit score from XXXX to XXXX as a result of the collection action. XXXX & XXXX identified the fraudulent activity and rescinded the collection and closed the account. My credit rating was lowered from XXXX to XXXX and I was denied an auto loan by U.S. Postal Service XXXX XXXX XXXX. XXXX & XXXX failed to exercise ordinary care and protection of my personal information when allowing the fraudulent activity to degrade my credit. The increased interest to obtain an auto loan from the XXXX XXXX XXXX XXXX XXXX will cost me {$2800.00}. XXXX & XXXX should be held liable for the added cost to obtain a loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered multiple accounts on my credit report that did not belong to me. One of the account name is XXXX, this account was never mine, I do not know how, but the account were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, the results came that they removed all the accounts except XXXX, since then I have been disputing the account, so on XX/XX/XXXX, I checked my updated credit report and I discovered that this account ( XXXX ) was removed, but a month later, the was re-inserted, so, when I pulled my updated credit report I found out that the account came back, on XX/XX/XXXX, I did a complaint on FTC Website about this account, but the account since then has not been remove, I recently update my credit report, and saw that the account still there, and I am now reaching out the CFPB to do a complaint and accelerate the process of fixing this Issue.

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 2022-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ {$8700.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ {$8700.00} / XX/XX/2022

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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$15000.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2022, I disputed accounts on my credit report that were inaccurately listed with Experian and did not appear on my credit file with XXXX or XXXX. This has caused undue stress in trying to validate and remove this inaccurate information. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX has violated my rights : 15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I demand that these accounts with XXXX XXXX be removed from my credit reporting file.

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 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: UT

Complaint narrative:
Recieved a letter stating i owed a debt from XXXX XXXX ..i currently have a credit line at XXXX XXXX  contacted there fraud service they stated my credit is in perfect standing and have no idea what it is... i contacted XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXXXXXX XXXX the XXXX of XXXX XXXX mountian stadard time they at one point said the debt is not with home depot but could not give the name of where the debt was from..I then asked for original doc of debt they stated they will try to get it. Legally they need to give me company name i owe the debt to and have failed instead giving me a false company i which my credit is perfect.Im seeking full compensation allowed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had no knowledge of this account and did not give permission nor consent to open the account. My personal information was stolen and has been used to open various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
My name is XXXX XXXX and I am WRITTING you about an entry listed on my credit report which I have tried to have removed. 
Apparently someone with a similar name to mine filed bankruptcy in ( NAME OF COURT AND DISTRICT HERE, and it is appearing on my credit report. 
After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. 
As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. 

VICTIM OF IDENTITY THEFT! 

Please be advised this is my SECOND WRITTEN REQUEST. You failed to block the fraudulent accounts and inquiries I requested in my last correspondence to you sent via Certified Mail, and by doing so you have incurred civil liability for Willful Non-Compliance under Section 616 of the FCRA. I keep all records of my correspondence with you so I am prepared in case I need to take you to court. 

I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. THIS IS A REQUIREMENT, AND NOT AN OPTION.

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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have reported this problem before a few weeks ago and Wells Fargo only prays on me when my acct balances are low. But now on both accts they assessed overdraft fees on items that did NOT cause my acct to go negative due their excuse of " night time processing ''. One acct ending in XXXX, they assessed a {$35.00} insufficient fee balance after auto transferring a {$1.00} to clear the item that posted. My balance on the acct at the end of the day was {$0.00}. Then they posted a {$35.00} NSF fee and now my other pending transactions that I deposited money in my acct for them to clear will be insufficient causing me to accrue more fees. Again on my end, my account only ever is shown in the positive. Secondly my account ending in XXXX. Same thing. {$25.00} purchase for gas, my balance was {$27.00} at the end of the day. Next business day, {$35.00} nsf for that purchase and now my account is negative again, causing my pending payments that I have deposited sufficient money in my account for, to be insufficient providing them a chance to charge more nsf fees. I have called them on several occasions over the years for this occurrence. Just would like to remind you this used to never happen to me until they were sued for it happening to other people. Secondly it only happens when my funds are low, but NOT insufficient. Even if they are insufficient in one acct. But I have XXXX in another acct, they will not assess these charges. All deposits were made in time for their auto rewind program. The only thing that did happen was I received notifications to deposit or transfer funds within timeframes THEY allow. It would be different if it was consistent, but its only when I have low balance, but again not insufficient, at least what i am shown online and in my app. When this happens they change their rules. I would like to request this back be investigated for predatory tactics on low income individuals and minorities. Seeing how their was a mass lawsuit against them on inappropriately applied bank charges.

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 monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC systems Inc. purchase a debt from XXXX XXXX XXXX XXXX and claims I owe a debt for {$580.00} with no documented proof and a complete incorrect address with no Social Security information and theyre trying to time my first and last name to a debt thats not mine I have spoken XXXX in the past and they all agreed to remove the debt they have then since then again tried to collect a debt that is not legally owed this is now becoming harassment and I want to stop now Im offering them 30 days to remove this from my the account and I want documented proof that this was removed in writing if not I will file a claim against you all

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 2022-04-18 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: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC bank purchased my XXXX bank account so I never opened this account. There was {$0.00} in this account and my debit card was never activated. The debit card was never used and never left my possession. There was a $ XXXX charge made on XX/XX/XXXX and due to the charge PNC closed XXXX account. I did not know about the charge until XX/XX/XXXX when I received a letter saying my bank account was closed. I have been on the phone with PNC bank for almost XXXX hours being transferred to random different lines. None of the employees will give their information except for first name except XXXX XXXX in the debt collection department. This is the most unprofessional bank I have ever dealt with and can not resolve an unauthorized {$45.00} transaction. How can someone trust this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: LA

Complaint narrative:
I reached out to Experian XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take XXXX hours to be removed. I called Experian again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed Experian I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address Experian refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to Experian that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed experian XXXX times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to Experian that XXXX XXXX Supersedes their policy.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XX/XX/2022 I did a transfer through Zelle from my checking account with XXXX in the amount of {$750.00} for the purchase of a puppy. The next day we realized that we were scammed and I called to bank right away but the money had already transferred. We tried contacting the seller but they wouldnt answer our calls or emails. The bank did an investigation but because of XXXX terms if service they couldnt get the money back. I called the bank once again to reopen the investigation which they did but still had the same outcome. This incident like many others are being overlooked by companies like Zelle, who do not protect the customers. We loss {$750.00} and no one helped us get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transition solicited my personal I formation to place negative marks on my credit report and profit. " XXXX XXXX ''! 
15 USC 1692k 17 USC 107

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 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX loan DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act convergent account # 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 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 non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My address is no longer valid and other consumer reporting agencies snd TransUnion and XXXX dont update. They all havent changed my delinquent loans no longer legally delinquent but rather large loans in good standing.My XXXX XXXX card is right on some reports and wrong on others a disputed account in collections involving identity theft years ago is off some reports snd not others. My phone is incorrect. 

Address XXXX XXXX XXXX  XXXX, Ny XXXX Phone 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 2022-04-18 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: PA

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 confidentially under 15 USC 1681. 

Dept of Ed/XXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX  Account XXXX HAS VIOLATED MY RIGHTS. 

Dept of EdXXXXXXXX Account XXXX HAS VIOLATED MY RIGHTS. 

Preferred Lease Account # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C section 602 A. States i have the right to privacy.

15 U.S.C section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts XXXX, XXXX, XXXX, XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX finance has violated my rights. 
XXXX XXXX  XXXX  has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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