vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried several times to access my credit report since XXXX. However, I am unable to do so. I paid XXXX XXXX to monitor my credit. My information was compromised years earlier ... a leak of information occurred at XXXX XXXX XXXX. I was informed that I should put a freeze on my credit file. I thought that I was successful. However, I have been informed that my ssn # was in fact used for at least XXXX loan ( possible car loan ) and possibly a credit card. I filed bankruptcy in XXXX. I have no credit cards. Furthermore, I haven't had a driver 's license since XXXX! I don't own any vehicles. I've only lived at my current address since arriving in XXXX. 
Please help me resolve this problem and remove any bogus items on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried several times to access my credit report since XXXX. However, I am unable to do so. I paid XXXX XXXX to monitor my credit. My information was compromised years earlier ... a leak of information occurred at XXXX XXXX XXXX. I was informed that I should put a freeze on my credit file. I thought that I was successful. However, I have been informed that my ssn # was in fact used for at least XXXX loan ( possible car loan ) and possibly a credit card. I filed bankruptcy in XXXX. I have no credit cards. Furthermore, I haven't had a driver 's license since XXXX! I don't own any vehicles. I've only lived at my current address since arriving in XXXX. 
Please help me resolve this problem and remove any bogus items on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EAST WEST BANK
State: CA

Complaint narrative:
Apparently one of my previous employeer used my ID card ( fake ID with his photo on it ) and my social to open a bank account with Eastwest Bank. From what I was told by FBI, this guy was involved in money laundering and drug trafficking and this account was probably used for that. I recently received a mail from XX/XX/XXXXXXXX XXXX telling me that I have a cashier 's check for this account and that is when I found out about the existence of this account. 

I have contacted the bank and asking them to investigate this issue, but I doubt the bank is following the right procedure to approve opening bank account as my employeer could use fake ID to surpass their security. This is a big problem as you have no idea how many accounts are opened under fake ID and used for crime and related activities. 

Since I have told the same infomation to Eastwest Bank, I have not gotten any updates on the investigation which led me to believe their process could be flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: Nelnet, Inc.
State: NJ

Complaint narrative:
Upon review of my credit I found three personal loans totaling {$53000.00}. through DEPT OF ED/NELNET that do not belong to me. I want them removed from my credit reports on XXXX and XXXX. They are n ot on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX  - account # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this account in its entirety. Thank you, XXXXXXXX XXXX XXXX  - account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello good afternoon to whom may concern My name is XXXX XXXX, today ( XX/XX/2023 ) I went in with a XXXX real estate, and the agent ran my credit to get a house. It appears that I have 1 bankruptcy and 1 debt collection which I am not concerned about at all and that I have never signed or applied at all. In my entire life, I had great credit and always made payments on time. Unfortunately, I can't get a house anymore until this bankruptcy and debt collection under my credit is fixed and clear. 
The bankruptcy that I do not recognize at all and have not signed is from XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX AMOUNT : APPROVAL : {$1500.00} The debt collection that I do not recognize at all and didn't sign anything for is from XXXX XXXX, DEBT COLLECTION, DATE XXXX ACCOUNT OPEN : XXXX AMOUNT : {$1200.00} I also do not recognize the address that comes on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For any further questions please reach me at XXXX XXXX XXXX XXXX BACKUP NUMBER : XXXX If you can please call me with someone who speaks XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS Account Resolution has reported invalid account with the amount of {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company or any company associated with them. The company has failed to provide any debt validation for this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: TN

Complaint narrative:
I have identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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:
to whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX/XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: TN

Complaint narrative:
I have identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that XXXX compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is to bring to your attention some serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 in relation to the accuracy of consumer reporting and the handling of personal information. I have discovered numerous inaccuracies and discrepancies. According to the FCRA, consumer reporting agencies such as XXXX are obligated to provide accurate and up-to-date information to consumers. My credit report includes several entries that are factually incorrect or outdated ( see attached for inaccuracies ). I urge XXXX to conduct a thorough investigation into the accuracy of the information included in my credit report and take immediate steps to rectify any errors. I expect XXXX to comply with the FCRA provisions by promptly correcting any inaccuracies and providing me with an updated, accurate credit report. Additionally, I have identified another violation pertaining to the Privacy Act of 1974. Personal information, including addresses, is a crucial aspect of consumer reports. However, I have noticed that my credit report contains non-mailable addresses, which are invalid and irrelevant. The inclusion of such addresses not only compromises the integrity of my credit report but also raises concerns regarding the security and privacy of my personal information. 

I demand that XXXX takes immediate action to rectify this violation by removing the non-mailable addresses from my credit report and ensuring that future reports do not contain any irrelevant or invalid information that may compromise my privacy. I request that XXXX provides me with written confirmation of the steps taken to address these violations within 15 days of receiving this complaint. It is imperative that XXXX upholds its responsibilities under the FCRA and the Privacy Act of 1974 to protect consumers ' rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: CA

Complaint narrative:
Delete this account in its entirety. Thank you, XXXX XXXX - account # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was hit with multiple overdraft fees. The bank also allowed XXXX XXXX  to take money out of my account due to a glitch in my phone and when I tried to retrieve my funds through wells Fargo they refunded me my money but then took it back and left me with fees. The bank also gave XXXX XXXX funds out of my account when I explained that XXXX XXXX is incorrect. I also was refunded money through my auto insurance and instead of the agent refunding me on my current account which they had they sent the money to Wells Fargo and I have yet to receive those funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: FL

Complaint narrative:
In the given scenario, the individual has discovered that a collection account, identified as [ XXXX ], is incorrectly reported as open by the collection agency. However, the account in question was already closed and settled in full according to the information provided by the original creditor. 

This inaccurate reporting by the collection agency has resulted in negative consequences for the individual 's credit score and may impact their ability to obtain credit in the future. The individual, recognizing the importance of accurate credit reporting, has decided to dispute the false open status of the account and seeks an immediate investigation into the matter. They also request that the collection agency rectify the error, update the account status to reflect its accurate closure, and provide written confirmation of the correction made along with an updated credit report.

Company response to consumer: Closed with explanation