vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Inquiry left that need to be removed or Block. Per FCRA section 605 you are required to remove the remaining inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you Accountable for your willful noncompliance. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-07-15 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: FL

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 XXXX XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-07-15 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. 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 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 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 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 explanation
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
I was trying to buy a house and I realized I had damages on my credit report and according too FCRA 15 U.S.C. 1681 law there should be no damages to my report this is a defamation of my character.

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 2023-07-15 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: FL

Complaint narrative:
I sent my letters off on XX/XX/ I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The thing I have payed for is not reported. Some collections are not correct. I once had an address on there with no linkage between me. Ive paid numerous bills and debt. Paid for two different credit agencies to fix credit problems. It was a rip off. My credit score should be higher than what it is. I pay all my bills. XXXX didnt give us our money back after false reporting we did not clean room. Which was not true. Ive lost unnecessary money, due to people negligent or not caring. I had just got my XXXX XXXX out of tow shop, for them to come get it. I had to pay for that out of pocket.

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 2023-07-15 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
After opening saving account with PENFED, they offered me credit card and send a credit card. I did not even request or apply for their credit card. They saw my account has good chunk of cash on the account. They talked me to it as the best card to own with a such nice of credit line. Because my life is extremely with my veterans patients before and during COVID-19 pandemic, I requested to have my credit card payment be automatically taken from my account. I sat in the office of PENFED branch bank located at XXXX XXXX XXXX XXXX DC XXXX at the same governmental agency, XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) where I am employed as XXXX XXXX with PENFED back representative to setup direct deduction from my account for credit card payment. I was an XXXX American male who promised me that there is an option to setup direct deduction from my account as I have my direct deposit already setup and ongoing. After approximately 45 minutes to an hour in his office, I was told that my direct deduction has been successfully setup and ready to go. I do not have way of knowing that the individual employees of the PENFED was incompetent in accounting as well as setting up the system where my due credit card be paid on time. I trusted him, and trusted the system. But the PENFED failed to keep the promise they made by keep unskilled employee at office as a customer service representative. 
They damaged my credit history and my credit scores. 



I had credit card from PENFED Credit Union.

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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
So XX/XX/XXXX I receive an email from my bank saying that they recently received the enclosed court order, which either enforces a legal judgment against me or secures a possible judgment in a lawsuit that's been filed against me from this collections agency called Kenosian & Miele. As a result, they are required to immediately place a hold on my XXXX XXXX account for a total of {$720.00}. I did a credit report right away to see what it was for and my credit history is clean, I have no collections showing. So I call them and they say It is from XXXX, an account that hasn't been used for over 14 years it doesn't even show on my credit report. They claim it hasn't been 10 years but I looked it up and it was filed on XX/XX/2013. And never once was I contacted in all these years. And from what I been researching, the statue of limitations has already expired. And these people already took the money out of my account. I have been reading reviews about these people and everything is negative, that they are a bunch of frauds. I don't think is fair what they are doing to people collecting on old debts that don't even show on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused me severe XXXX upon finding unverifiable, invalid, inaccurate, and questionable items. Below you can see the date and the bank information. 


XXXX- XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NV

Complaint narrative:
I am being charged for something that I didn't do by XXXX XXXX they filed this in XXXX and I been out of that residence since XXXX due to XXXX XXXX that I went through with my ex because he almost killed me but not only they pin this on me when it was squatters who did it they sold my information to a collection agency without me knowing this and I didn't sign any paperwork for them to do this it is against the law code 15 USC1681B for them to sell your information without you knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I went to XXXX XXXX and never received a XXXX  the school was closed down and found guilty of fraud in 2016 I am not responsible for this alleged student loan and its pulling my credit score down tremendously.

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 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime Mobile Banking app provides a service in which their customers may get their pay two days early. While this of course is a privilege and not a right, it is my right to have my money deposited into my account by the end of payday. This has not happened, it is the weekend and no banks send out direct deposits over the weekend so I have to wait until Monday and theres no guarantee that it will even be here by then. I have bills to pay, mouths to feed, we all do, and Chime Mobile Bank is running a scam. They are not being honest and consistently give customers the runaround when they are contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting my address incorrectly with the city as XXXX XXXX, I have never lived in XXXX XXXX. I sent them my State issued ID & DL and they updated it with the same incorrect information. I have also had issues with them in the past with incorrect reporting information. 

The correct address is XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency, Equifax.

Section 609 ( 15 U.S.C. 1681g ) of the FCRA affirms my right as a consumer to access all information in my credit file. However, for several months now, I have been unable to access my credit report or scores via the 'MyEquifax ' website. The last update to my credit score received was on XX/XX/XXXX, despite the website repeatedly stating that " Your next credit score will be available in 25 days. '' Moreover, when attempting to view the history of my credit report dates, only two entries appear : XX/XX/XXXX and XX/XX/XXXX. These entries do not reflect any accounts reporting on my report, contrary to my actual credit activity. 

These inaccuracies are concerning, as they might indicate a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA, which entitles consumers to dispute and correct inaccuracies in their credit reports. 

To resolve this, I attempted to contact Equifax directly but my efforts were unavailing. I was repeatedly transferred to various departments with no resolution or acknowledgment of the issue at hand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: SC

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 XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 explanation
Consumer complaint received 2023-07-15 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: TX

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX 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 2023-07-15 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: TX

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying accounts recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}

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 explanation
Consumer complaint received 2023-07-15 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: FL

Complaint narrative:
I sent my letters off on XXXX XXXX XXXX I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.

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 2023-07-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Capital One account number XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to my 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation