vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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:
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/Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is continuing to violate 15 US Code 1681 of my Federal Consumer rights. 

They have wrongly reported an amount owed for months AFTER the amount was paid off and after SEVERAL attempts to get Equifax to do what is FEDERALLY / LEGALLY required of them to do. 

The debt they continue to show wrongly, shows a balance owed when the amount has been fully paid off since XXXX 2022. 

This affects my score. This is illegal of Equifax to do. 

XXXX and XXXX are reporting accurately and have been, but Equifax seems to not care about accurate reporting, which is a FEDERAL requirement. 

Equifax has been erroneously reporting this error since XX/XX/2022, and have in replies, told me the reporting is accurate. This is a lie. I have informed my states attorney. I have informed my lawyer. I have informed local area federal judges. 

I have attached XXXX documents showing the balance on disputed account is XXXX. These same documents are in the possession of my lawyers. along with Equifax 's previous replies that their reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: CA

Complaint narrative:
Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
Ive tried to change my address for years and delete those unknown addresses but they keep popping back up i have a new address now and those addresses still come up

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 2023-01-15 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: SC

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 15USC 1681. 

XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXXl : # XXXX, XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy.

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

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 record 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 2023-01-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account numbeXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for and was approved for a XXXX XXXX  XXXX issued by Wells Fargo on XX/XX/XXXX. I later received the card and made one purchase to my rental property. on XX/XX/XXXX I was informed that the three charges had been attempted on my card, all fraudulent. I then was asked to confirm if the charges were fraudulent and ended up in an hours long loop of customer service representatives, which ended up wasting the better part of a morning in order to cancel my card and have a new one sent. All of this for what was undoubtably the fault of Wells Fargo, who clearly had a data breach given the length of time I have owned this card as well as the lack of use. The amount of time and effort expended to resolve this problem from the consumer sides feels both unfair and almost punitive, given the fault lies entirely with Wells Fargo.

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 2023-01-15 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: CA

Complaint narrative:
Ive tried to change my address for years and delete those unknown addresses but they keep popping back up i have a new address now and those addresses still come up

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 2023-01-15 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:
Ive tried to change my address for years and delete those unknown addresses but they keep popping back up i have a new address now and those addresses still come up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX email XXXX Account # XXXX XXXX XXXX XXXX Credit limit start date XX/XX/XXXX was {$15000.00} Credit limit on XX/XX/XXXX XXXX {$500.00} First National Bank of Omaha Headquarters Phone Number ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX XXXX XXXX First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. 
$ XXXX credit limit, never missed a payment. Then unexpectedly XX/XX/XXXX, my limit decreased to {$500.00} which in turn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. 
XXXX First National Bank of Omaha cut my card limit down by about XXXX percent This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! Bait and Switch Contact customer service and I was told that I my FNBO - Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and However, when people applied for the cards, part of the qualification and limit-setting process stated nothing about I had to spend on the card.

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 2023-01-15 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: PRESTIGE FINANCIAL SERVICES INC
State: MO

Complaint narrative:
It has come to my attention that Prestige Financial is reporting an Account on my Consumer Report without my Consent. XXXX XXXX XXXX and the Reporting company known as Prestige Financial is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: VA

Complaint narrative:
Waterfall Revenue Group reported medical debt to all three credit bureaus, and I disputed them as not a debt not belonging to me. I have never received a statement, agreed to payment terms, nor signed any agreements releasing medical information to this company. The debt supposedly occurred in XXXX of 2020. There was a statement on my credit reports acknowledging my dispute of being a victim of identity theft during a disaster. On XX/XX/XXXX this year, the debt was removed from all three credit reports. Then on XX/XX/XXXX, the same collection agency added the debt as a new collection account under a different number. This is false and double reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Amerifinancial Solutions LLC on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? I sent a debt validation request letter to Amerifinancial Solutions LLC via mail on XX/XX/2022. Tracking shows that the letter was received by Amerifinancial Solutions on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter. 

The debt validation letter is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
My daughter and I have a loan on her home thru United Wholesale Mortgage. She is beginning her journey in credit/life. The house payment was set up to be taken out of my XXXX XXXX account that was specifically for kids expenses ( college ect ). We decided it was time for her to take over and learn how to make the payment ect.. We phoned UWM and let them know we want the payment taken out of her account instead of mine and we gave them all the needed information on XX/XX/2022. The dollar amount for her mortgage is {$1400.00}. XXXX took the information and changed it but stated that in XXXX it will still come out of mine because it is too late in the month so it would not start taking it out of her account until XXXX. We agreed. ( This is a recorded conversation that they have. ) So around XX/XX/XXXX my daughter called and said mom they still have not taken it out of my account and I phoned XXXX they said " we can not take it out until the XXXX payment is made '' and I said wait it did get paid and they said no it did not. So I paid it and explained that they had said it would still come out of my original account that was on autopay. They said there is nothing we can do and did confirm our conversation was recorded! So they told us it would come out and it did not. I can show you bank records that the money was in there to pay it. Now my credit dropped to XXXX from XXXX and my daughters is probably worse. I want to file a complaint against them and reverse the credit. Even if it can not be reversed I still want to file a claim- what they did is unethical. I never received a voicemail- they said they tried my daughters but she did not receive any messages and I was the original one on the loan so they should have called me. I was in the middle of moving and it was a hectic time and I am so frustrated. I filed with the credit bureau and have reached out a few times to XXXX and they will not do anything because they said it is " automated '' and out of their control. Please help us with this. It is very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NV

Complaint narrative:
I recently purchased a new Audi vehicle and financed the purchase through Audi Financial Services. In order to pay my bill, I setup online access to pay my monthly bill through XXXX. I was successful in setting up my banking information and changing my monthly statements to paperless. 

I tried to make a payment on the XXXX website several times in XXXX of XXXX, but each time the Audi Financial Services Dashboard would not load on their MyAudi site. Clicking on the link to Audi Financial Services Dashboard results in a spinning red circle for a moment, or an error message. I contacted their support line and did a ton of web browser troubleshooting across three computers, but could not get their website to load correctly. Support could also not assist with enrolling me in automatic payments or re-enabling my paper statements- Two actions that can only be done via the XXXX website. 

I have tried several times between XX/XX/XXXX and now XX/XX/XXXX to get the website to function correctly. I have called Audi Financial Services support, I have contacted Audi 's General Customer support, I have XXXX to the brand accounts several times - no one is interested in fixing this broken website. I can see several other people on XXXX have made the same complaint, leaving them unable to get their statements, make a one-time payment online, or make changes to their autopay preferences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 2023-01-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation