vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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:
was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: DLC, LLC
State: NV

Complaint narrative:
In ordinance with consumer law 15 USC 1681 section 602 right to privacy this law was violated and i would like to have debt removed off of my report and it has impacted my XXXX XXXX. Ive tried to speak to debtors directly to have this resolved but hasnt been. Dollar loan center and the debt was sold to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: ProCollect, Inc.
State: AR

Complaint narrative:
XX/XX/22 {$3100.00} Filing disputes due to incorrect amount

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Several months in a row, my payments were applied to a promotional 0 % APR balance instead of the higher 27.74 % interest balances. It is understood that my minimum payment will go to these promotional balances first, but the remainder of payments should be applied to higher interest rate balances next. CFPB should be made aware of these practices and inaccuracies with customer 's balances. Each call to correct this takes approximately 30 minutes of mine and several customer service representatives time, and it is not appropriate to apply payments in this manner to allow higher interest to accrue. Spoke with Supervisor XXXX in XXXX XXXX location on XX/XX/26 who assured me that although the current " Interest Savings '' balance online was {$1600.00} lower than the balance on my XXXX bill, that the correct balance would show on my NEXT statement at month end. Even if this was true, it does not provide me with an accurate accounting if I wanted to make additional payments on my card and avoid paying more on my negotiated " Interest Savings '' rate. Plus it will require ANOTHER call after month 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IA

Complaint narrative:
On XX/XX/XXXX I submitted a formal dispute with CFPB ( case # XXXX ) which stated that EQUIFAX Credit Bureau was falsely reporting my student loan with XXXX aka XXXX XXXX account XXXX XXXX as being in collections. I stated that I had in fact been enrolled into the Biden FRESH START INITIATIVE on XX/XX/XXXX which would erase in and ALL negative reporting and put my account in good standing and therefor should ONLY show being Current and On Time with NO negative marks. Please see attached documents to verify. 

On XX/XX/XXXX EQUIFAX sent me a formal letter which had ONLY switch some dates around but STILL showed the account as being in Collections. 

EQUIFAX has now formal violated my rights to a FAIR investigation under 15 US C 1681 Section 603 ( 3 ) ( E ) which States investigative consumer report SHALL NOT include specific factual information on a consumers credit record obtained directly from a CREDITOR!! 
EQUIFAX violated my rights by not doing a formal investigation of my dispute, they have only repeated what the CREDITOR XXXX XXXX aka XXXX XXXX account # XXXX ) has told them or reported to them. They have done no due diligence on their part to get to the heart of the matter. If they had they would have seen that I had in fact been enrolled in the FRESH START INITIATIVE and that there should be NO negative or derogatory reporting on this account. 

EQUIFAX is now also violating my rights under the Biden FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo incorrectly gave me overdraft charges from the year XXXX and when hacked my identity was stolen by them

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 2023-04-27 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.

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 2023-04-27 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My car was repossessed in XXXX of XXXX I live in the state of Maryland and in the state of Maryland there's a reinstatement law where the loan company must offer you your vehicle back for the balance old including all fees I received my vehicle back and XXXX of XXXX paying all of the balance that was old and all fees down to XXXX to receive my call back after I receive my call back I was told that they were other fees that were not paid during the time that I did not have the car and that they were late fees for the car payments I do not understand how you have to pay a balance down to XXXX to get your vehicle back if the late fees are not included in XXXX of XXXX I made a payment of {$1500.00} to my loan company to catch up and pay extra months I was then notified about the fees when I noticed that my bill was due before it should have been due after I paid {$1500.00}

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 2023-04-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent certified letters with tracking and receipt tracking to Equifax. I have sent a letter to remove inaccurate personal identifying information on XX/XX/2023. I've also sent a letter to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification on XX/XX/2023. The time frame lapsed to the request on XX/XX/2023. 

In accordance with the FCRA, Equifax violated my federally protected consumer rights under the following Consumer Code of Laws. 

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality 15 U.S. Code 6802 Did Not give me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did Not receive the Method of Verification requested Per FCRA 611 ( a ) ( 7 ) Did Not reply in 15 days 15 U.S. Code 1681i ( a ) Did Not due a complete investigation Per FCRA Section 604 a consumer reporting agency reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681s-2 a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX XXXX EQUIFAX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX EXPERIAN XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: AZ

Complaint narrative:
Received text message today from ph # XXXX. Messages says " Call us at XXXX or pay online using reference number XXXX at text.XXXX. Attachment of correspondence : From : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. 

My husband had filed identity theft at our local police department and has notified all agencies involved. He is not receiving these messages. I am the one receiving messages. This is harassment from the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I used XXXX to process my federal taxes for the year XXXX. XXXX recommended I send my refund, {$12.00}, XXXX to Credit Karma. Credit Karma sent me a Credit Karma Visa debit card. I used my Credit Karma debit card to withdraw from my IRS refund 8 times. On the 9th time at the ATM my transaction was declined. Credit Karma had put a lock on my account.This happened on XX/XX/XXXX. 
I have complied with Credit Karma in sending them info to unlock my Credit Karma checking account. Todays date is XX/XX/XXXX. 

My Credit Karma account, {$8700.00}, is still locked and Credit Karma is ignoring my attempts to email them for a resolution. Their email address is " XXXX '. 

XXXX XXXX XXXX XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: WA

Complaint narrative:
The amount is XXXX. The account was open in XXXX and closed XXXX. I have been on military orders since XXXX, I also lived in ct from XXXX then XXXX XXXX until i left for the XXXX. The person the account belongs to is not taking accountability on the account,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which XXXX, Transunion, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.

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