vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 USC 6802 A. may not disclose personal information.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 USC 6802 A. may not disclose personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Received an email indicating it came from Wells Fargo Support subject line your account has been suspension quickly verify online banking reference XXXX Stating there has been behavior that appears to be out of the ordinary XXXX XXXX XXXX sign into online account here. 

Best to my recollection, I do not have an account with Wells Fargo support, so I am reporting this as phishing scam fraud

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MI

Complaint narrative:
I opened an account/tradeline with Discover in XXXX. However, the payment history reported is false/misleading/inaccurate, as there is XXXX ( XXXX ) payment history reported prior to XX/XX/XXXX. Payment history for account/tradelines persist in credit files for at least XXXX ( XXXX ) years. Failing to report positive payment history that existed prior to XXXX denies a consumer the opportunity to show potential creditors they had the ability to pay on financial obligations PRIOR to the beginning of the pandemic, which in XXXX can cause consumers to be denied credit and housing as a result, especially in cases where a consumer might otherwise be approved upon request for reconsideration citing circumstances such as financial and or medical hardship, for example as RESULT of the pandemic. With the onset of the pandemic, I have disputed my payment history through the CRAs for my Discover account/tradeline for specific months since the onset of the pandemic and have observed years of prior payment history removed as part of that process. Such processes unfairly disadvantage those indivdiuals that are XXXX, and/or women with small children, and/or are minorities, ie. those individuals that have been historically marigalized and as such are members of XXXX or more protected classes, and who were statistically more likely to experience financial and/or medical hardship during the pandemic. Whatever Discover is doing seems outright discriminatory. Overall, this account is not being reported with maximum possible accuracy because there is information missing for months prior to XXXX of XXXX and Discover is failing to meet its obligations under 15 U.S. Code 1681s2 for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I made an attempt to deposit my XXXX of California XXXX check through my $ XXXX cash app. To facilitate the mobile deposit process with Cash App, they require the inclusion of " cash app deposit '' beneath the signature. By endorsing it to Cash App, I authorized them to cash the check. However, they rejected the deposit, citing an issue with the endorsement. I followed their instructions by signing the check and including the necessary information, but they failed to provide an explanation regarding the specific problem with the endorsement. Consequently, they advised me to take it to another financial institution. However, endorsing it to Cash App prevents me from doing so, as it is already endorsed specifically to them. This leaves me in a predicament where Cash App 's requirement to endorse the check to them is, in effect, rendering it impossible for me to seek an alternative solution elsewhere. I find this situation unreasonable on the part of Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-23 00:00:00
Product: Credit reporting 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: KY

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.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

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.

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 non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2023 fraudulent charges where made to my chime checking account in the amount of {$8500.00} chime has only refunded me approximately {$2000.00} saying no error occured on the other charges even though all these charges where made at the same date and time and I immediately reported it to chime support. I filed a police report with XXXX XXXX police department I have not received a copy yet so chime also has not received a copy yet they are denying claim. Also filed a claim with the FBI cyber crime unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was served notice of an alleged debt via postal communication on XX/XX/2023. On that date, I engaged in a conversation with a representative by the name of XXXX, who represented the Collection Agency " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. 

In response to my validation request, XXXX affirmed his commitment to investigating the dispute and assured me of a subsequent follow-up. Additionally, XXXX inquired about my occupation and assured me that no adverse annotations would be recorded on my credit history. After our telephone conversation, I promptly transmitted a follow-up email, appended with a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that the presence of erroneous information reported to the credit bureaus would constitute an act of fraud, for which I would be prepared to take legal action. Furthermore, I stipulated that all future correspondence should be conducted solely through electronic mail. 

Despite adhering to this course of action, I later received an unfavorable collection remark. With no responsive communication from XXXX or the collection agency, I undertook the step of lodging a dispute with the three major credit bureaus to expunge this notation from my credit reports. Regrettably, the collection agency 's response to the credit bureaus attested to the validity of the debt and failed to provide any substantiating documentation. 

In the aftermath, I have been subjected to unwarranted and harassing telephone communications from Colombia Debt Recovery, doing business as Genesis. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I sent letters requesting proof of the alleged debt that shows on my credit report Which includes original promissory notes signed with my signature I have not received any type of communication in well over 40+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with XXXX XXXX XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My TRANSUNION credit report was accessed without my consent. Fraudulent credit inquiries are showing on my TRANSUNION credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Someone purchased a vehicle through a XXXX XXXX XXXX using my personal information. I reviewed my credit report and noticed this on my credit report I've never purchased a car from a lot. Once I gathered the information I contacted the company to retrieve more information about this transaction and have been left with not only unanswered questions but a horrible credit score that can't be repaired.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: IN

Complaint narrative:
Mohela sent me a forgiveness letter XX/XX/2023. XXXX stating the furnisher provided them information on two disputes that my balance is not XXXX. XXXX refusing to fully investigate the dispute and reporting inaccurate information on my credit report. The account is closed with a XXXX balance. Mohela could not have reported my balance of {$29000.00} in XXXX and my ledger balance from there online portal is XXXX. Please see photos of my Mohela account, forgiveness letter, screenshot of disputes not resolved since XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation