vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: CBC Companies, Inc.
State: TN

Complaint narrative:
Ive contacted Innovis several times and most recently at the beginning of XX/XX/XXXX ( see attached ) regarding incorrect information on my Innovis credit report. First, despite XXXX certified letters to Innovis informing them that they have mixed my deceased fathers file with my file they have continued to attribute XXXX, XXXX  addresses to myself when I have never lived in XXXX, XXXX. My father on the other hand lived in XXXX, XXXX  until he died back in XX/XX/XXXX. Second, in addition to attributing XXXX XXXX  my father accounts to me ( XXXX # XXXX and XXXX XXXX  # XXXX ), the details of these XXXX accounts are completely inaccurate and incomplete. The XXXX account was settled back in XXXX by my father before his death and a XXXX was issued ( see attachment ) by XXXX which was file in my fathers final XXXX taxes. In addition, the account they are posting has no Date of XXXX Deliquency or the Date the Account was Closed which is necessary to determine the dropoff date for this account. Also, there is no Payment History, either positive or negative! The XXXX account is likewise missing Date of XXXX Deliquency and the Date the Account was Closed that is needed to determine the dropoff date for this account. Again, there is no Payment History, either positive or negative!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX account ( XXXX ) was written off and closed with a {$0.00} balance on XX/XX/XXXX. However, Experian Payment History has marked this account as Charged Off ( CC ) every month from XXXX XXXX  through XX/XX/XXXX. 

Although the account was closed in XXXX XXXX the account appears as an open account that I have missed making payments from XX/XX/XXXX to the present. As a result of Experian 's inaccurate reporting, my credit score has dropped significantly.

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Vehicle is in my husband name. My husband passed last year, XX/XX/XXXX. I was told I could do XXXX things. 
1. Surrender 2. Pay off 3. Keep making payments During this time of my husband death, I was dealing with sickness of XXXX and was not able to work due to my husband being sick with XXXX and taking care of him and I was sick trying to take care of me. I asked if it was anything they could do about payments been late. I was told no and to Surrender Vehicle. I was told in XXXX that the vehicle would be repossessed for non payment. I reminded the representative that I was told if I Surrender the vehicle, I would not get a repo against me. I told them that I Surrendered the vehicle in XXXX and no one came and picked it up. I again called back late XXXX and asked why they had not picked it up and as long as it been sitting, they could have worked something out with me. As of XX/XX/XXXX the car is still sitting in the yard.

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 2023-01-23 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: UT

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

Please see attached documents.

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 2023-01-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/23 Hunter Warfield contacted me and demanded I pay for a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: SC

Complaint narrative:
I contacted the company to speak on the late fee, I disputed with the bureaus, they moved it, but then put it on another month which is wrong.How can FIRST PROGRESS do this? It still needs to be removed permantly according to consumer law. 15usc1681a-4 privacy obligation not met. 15usc1681b no permission to place on the consumer report. 15usc1666b timing of payment shouldn't be reported. 15usc1681a ( 1 ) a2 transaction history is excluded from the report. 
They didn't get written consent to place anything on my record. Violations are {$1000.00} each or intentional fraud is 2 year prisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Commenity Bank XXXX XXXX XXXX XXXX for billing errors in connection with identity theft that occurred on XX/XX/2022. As a consumer, I am protected by several laws including the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and I believe that these laws have been violated in my case. 
On XX/XX/2022, I discovered unauthorized charges on my credit card statement issued by Commenity Bank XXXX XXXX XXXX XXXX. Upon further investigation, I realized that my personal information had been compromised and used to make these fraudulent charges. 
As per the FCBA, I have the right to dispute any inaccurate or incomplete information on my credit card statement within 60 days of the statement being sent to me and the bank must correct or explain the errors within XXXX billing cycles. I have notified Commenity Bank of these unauthorized charges and requested that they be removed from my account, but I have yet to receive a response or resolution. 
I would like to add that the unauthorized charges on my credit card statement not only caused me financial harm, but also resulted in a great deal of stress and inconvenience. I have had to spend countless hours on the phone trying to resolve this issue with Commenity Bank, and I have yet to receive a satisfactory resolution. 
Additionally, the FCRA requires that credit reporting agencies, such as Commenity Bank, take reasonable steps to ensure the maximum possible accuracy of the information in my credit report and notify me if any adverse action taken based on my credit report and investigate any disputed information and correct it if it is found to be inaccurate. As the unauthorized charges on my credit card statement have also been reported to the credit reporting agencies, I believe that Commenity Bank has not fulfilled these requirements. 
I also want to bring to your attention that my XXXX XXXX has been negatively impacted by these unauthorized charges, which has caused me to be denied credit and other financial opportunities. This is a direct violation of my rights under the FCRA, as I have the right to accurate and complete information in my credit report. 
Furthermore, XXXX prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age or because you get public assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: IL

Complaint narrative:
XX/XX/2022 I applied through CREDIT KARMA for a XXXX XXXX  credit card. It was unknown too my knowledge that even with CREDIT KARMAS personal " Excellent Approval Odds '' for myself that I was being deceived, and initially caused a hard inquiry on my credit history. 

This hard inquiry that resulted in dropping my XXXX XXXX. I have worked hard too get my credit back up, and this has caused me too be denied by a few other agencies for a home, and or a car loan. 

Causing my family as well as myself disruptive negative, emotional, and personal self worth impacts on our day too day lives. 

It's hard too better yourself in today 's world when people take advantage of your finances knowing they are falsely giving you hope. 

Thank you for your time, and mainly help with resolving the issues with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MS

Complaint narrative:
I did not give my consent to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy. Please see 15 U.S. Code 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MS

Complaint narrative:
I did not give my consent to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy. Please see 15 U.S. Code 1666b.

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 2023-01-23 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: FL

Complaint narrative:
Disputed this information with XXXX and they already deleted the inquiries. I disputed this with TransUnion but they refuse to delete it because they verified this information. I am requesting to receive the documentation of whom they verified this information because it wasn't with me. If they are unable to provide this documentation I am demanding that the 11 inquiries be deleted.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I can not view my credit Report, Credit Score or Submit a Dispute from my Transunion account. I have been working with Transunion to address this issue for the past two years. But unfortunately, nothing has materialized thus far. 

I have provided them with all the requested information ( Copies of their Driver 's License and Social Security Card, Letters, calls, etc. ). Yet, every time I speak with a Transunion representative, I get the run-around, and after hours of hold time on the phone with them, nothing gets fixed.

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 2023-01-23 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I did not give my consent for them to report late payments to any credit bureau for credit reporting. It is also a breach of my 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 explanation
Consumer complaint received 2023-01-23 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: CA

Complaint narrative:
I sent out certified letters to all three credit bureaus informing them of my address change but its still showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: CA

Complaint narrative:
I sent out certified letters to all three credit bureaus informing them of my address change but its still showing up on my 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 2023-01-23 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: TN

Complaint narrative:
In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXXDEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info 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 2023-01-23 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: TN

Complaint narrative:
In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 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 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX  years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have reached out to Equifax a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX per IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: UT

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
I have been sued by a finance company for {$10000.00} plus fees. The motorcycle was purchased by an individual by the name of XXXX XXXX who has stolen my identification she also had stolen the motorcycle from the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX of 2020, after being in a crash by someone. I submitted a fraud claim with the company and also did an identity theft report on the individual who did this to me. When I received documentation from the XXXX XXXX XXXX I was given a copy of my ID that is unverifiable from an email that I sent to an XXXX  management back in the beginning of the 2020 and along with forged documents of my name. I informed the finance company of everything and provided them with police reports and fraud reports but nothing worked in my favor. Now I am being garnished and my credit report has been ruined due to this situation. Ive also gave what I could on the motorcycle, but Im still in a hole and need help. I did try to do an small claims but it was denied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MS

Complaint narrative:
I did not give my consent for them to report late payments to any credit bureau for credit reporting. It is also a breach of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My account was closed because someone else tried to deposit a check into my account through the mobile app without my permission and I told the bank that I wasn't the one that deposited the check through the app because I never use the app to cash or deposit checks i always go to the bank directly or to a check cashing place and it's because of all the identity theft going on.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One sent my payment to a closed acct. I tired to contact XXXX from capital ones office of the president stated that she contacted XXXX they told her that they could not recoup funds because the account had just been closed. But The XXXX account was actually closed XXXXXXXX XXXX XXXXXXXX. I have contacted Capital One more than XXXX times to resolve this issue. As well as myself another rep from Capital One called XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX verified that they returned the payment XX/XX/XXXX. They provided a trace number and re-verify that the XXXX account has been closed since XX/XX/XXXX. When she tried to explain to her XXXX the information. they told her that I needed to talk to XXXX. My business is not with XXXX. My business is with capital one. I should not have to contact someone else when the party responsible needs to do their job. Please review that phone call. at this point I feel like its retaliation for filing a complaint.

Company response to consumer: Closed with explanation