vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 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: MI

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. 

Account name : 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 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 2023-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF

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 2023-03-26 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-26 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: TN

Complaint narrative:
I received Experian email notification on XX/XX/XXXX stating this- Hi XXXX XXXX your dispute results are ready. Dispute results Your dispute report number XXXX results are ready for review. 
Problem - Experian is continuing to violate my consumer rights accordingly with FCRA rule 15 U.S. Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; Hard Inquiry - This is fraud. I didn't consent to this inquiry. 
On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2023-03-26 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: NM

Complaint narrative:
My name is XXXX XXXX XX/XX/XXXX victim of XXXX Domestic for XXXX XXXX XX/XX/XXXX XXXX XXXX removed of my business, change passwords in automatic credit card payments, stole all my business, stole my money, closed my bank accounts, NO JUSTICE IN THE STATE OF NEW MEXICO. Authorities of the Third Judicial District in XXXX XXXX New Mexico Violated my Human Rights of a Citizen of the United States of America please if you know anyone that can help in another state investigate this case FBI, authorities that can put the law above the authorities that violated the law of the United States of America and review my last court on XX/XX/XXXX in XXXX XXXX NM, By the official XXXX XXXX XXXX Violated my human Rights of a citizen of the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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:
I am interested in processing disputes on my credit report with transunion. looking at data involved information is inaccurate. please review and delete all files to help clear my credit 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 2023-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Liquidation Services Inc.
State: AL

Complaint narrative:
Several weeks ago, when I check my credit score from XXXX, I find that ACCOUNT LIQUIDATION SERVICES in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. 

First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to Account Liquidation Service for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. 

Second, Account Liquidation Service have never contacted me about the debt ( no phones, no letter and no emails or in-person ), it reported this to XXXX, which hurt my credit score a lot. 

Third, I filed a dispute in XXXX which they carried out an investigation by contacting the Account Liquidation Service in which XXXX said that the Account Liquidation Service said the debt was mine. During the whole process, the collection agent never contact me. 

Four, I try to reach out to Account Liquidation Service via email, but they never reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with eqiuifax. alot of data is inaccurate an needs to be removed asap. please review the information to clear my file so all reports can be cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My name is XXXX XXXX XX/XX/XXXX victim of XXXX Domestic for XXXX XXXX XX/XX/XXXX XXXX XXXX removed of my business, change passwords in automatic credit card payments, stole all my business, stole my money, closed my bank accounts, NO JUSTICE IN THE STATE OF NEW MEXICO. Authorities of the Third Judicial District in XXXX XXXX New Mexico Violated my Human Rights of a Citizen of the United States of America please if you know anyone that can help in another state investigate this case FBI, authorities that can put the law above the authorities that violated the law of the United States of America and review my last court on XX/XX/XXXX in XXXX XXXX NM, By the official XXXX XXXX XXXX Violated my human Rights of a citizen of the United States of America.

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 2023-03-26 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: CA

Complaint narrative:
Was charged fraudulently under my social the company didnt review nothing nor check the if the social even matched whoever used my social, I tried disputing it many times and they have yet to help me nor try to get rid of it. I was a minor barely XXXX when this charge occurred theres no way I could of made it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CO

Complaint narrative:
Yea someone been hacking my account for 3 days in a row The were trying to change my info and unlinked all my info while at the same time I was trying to fix it and they just kept trying while I kept trying to fix it they stole {$390.00} the morning of XX/XX/23 i did not make that transaction I was hacked and they tried to yesterday also on XX/XX/23 My wife made a police report yesterday because we think it was someone with in the Colorado areathe day before they tried the same thing and wasnt successful because yall had locked my account due to suspicious activity and the next day they tried it again and were able to take {$390.00} XXXX this the case number It was a card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
FCRA requires accurate reporting. The account opened date is different on XXXX  and XXXX. The account shows a charged off amount and amount due. The payment history is inconsistently reported as well. The high credit amount is reported differently to both bureaus. Activity dates are also not reported consistently.

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 2023-03-26 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: 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 confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account Number : 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 2023-03-26 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: AL

Complaint narrative:
Several weeks ago, when I check my credit score from Equifax, I find that XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to XXXX XXXXXXXX XXXX for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police ( attachment is the report ) and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. Second, XXXX XXXXXXXX XXXX have never contacted me about the debt ( no phones, no letter and no emails or in-person ), I first know about this debt via Equifax, which hurt my credit score a lot during the time I want to apply for a mortgage. Third, I filed a dispute in Equifax which they carried out an investigation by contacting the XXXX  XXXX XXXX in which Equifax said that the XXXX XXXX XXXX said the debt was mine. During the whole process, the collection agent never contact me and Equifax believed them. Fourth, the whole case did not make any common sense. Equifax knew that I pay off my credit card every month for a the whole time I have credit history, so why I will not pay this XXXX $ and let it be handled by a debt collector and why debt collector was willing to spend time and resources to collect XXXX XXXX Those things are very suspicious and Equifax never truly investigate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-26 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: IL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I applied for a remote job with a company called XXXX XXXX with data entry position. They interviewed me and went through all the processes like when you apply for a job. After they accepted me they told me they will send me a check to buy equipment through their vendor! They sent me XXXX checks XXXX of the checks amounted to around XXXX dollars after I deposit the balance can not available right away, they said I can zelle their money after the balance was available which I did Zelle their money when the balance of the check went through. After a few days, the check bounced back because it was not clear, fake, ide not have enough balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have held an account with Wells Fargo and feel that the bank charged me excessively on banking fees and overdraft fees in the time I have held this account.

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 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was sued in court by Portfilio Recovery stating i owed a debt to them i do not owe, I even went as far as trying to just pay it so they would stop hurting my credit, I requested a letter from them stating if i paid it theu would remove it from my credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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