vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: WI

Complaint narrative:
The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: WI

Complaint narrative:
The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-05-18 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: OH

Complaint narrative:
Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : 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 2022-05-18 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: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XX/XX/2022. XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.

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 2022-05-18 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states 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 related 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 2022-05-18 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent TRANSUNION 3 letters in regards to the following accounts and have also stated the violations that they are in, XXXX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE TRANSUNION DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX XX/XX/XXXX - # XXXX 2. XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XX/XX/XXXX - # XXXX 4. XXXX XX/XX/XXXX - # XXXX 5. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XX/XX/XXXX - # XXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9.. XXXX XX/XX/XXXX - # XXXX 10. XXXX XX/XX/XXXX - # XXXX 11. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 12. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XX/XX/XXXX - # XXXX 17. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 18. XXXX  XXXX XX/XX/XXXX - # XXXX 19. XXXX  XXXX XX/XX/XXXX - # XXXX 20. XXXX XX/XX/XXXX - # XXXX 21. XXXX XX/XX/XXXX - # XXXX 22. XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XX/XX/XXXX - # XXXX 26. XXXX XX/XX/XXXX - # XXXX 27. XXXX XX/XX/XXXX - # XXXX 28. XXXX XX/XX/XXXX - # XXXX 29. XXXX XX/XX/XXXX - # XXXX 30. XXXX XX/XX/XXXX - # XXXX 31. XXXX XX/XX/XXXX - # XXXX 32. XXXX XX/XX/XXXX - # XXXX 33. US Dept of Ed XX/XX/XXXX - # XXXX 34. US Dept of EdXXXX XX/XX/XXXX XXXX # XXXX I did not GIVE my explicit written permission to TRANSUNION to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.

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 2022-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EQUIFAX 3 letters in regards to the following accounts and have also stated the violations that they are in, EQUIFAX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EQUIFAX DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 2. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XXXX XX/XX/XXXX - # XXXXXXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9. XXXX XXXX XX/XX/XXXX - # XXXX 10. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 11. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 12. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX  XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 17. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 18. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 19. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 20. XXXX XXXX  XX/XX/XXXX - # XXXX 21. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 22. XXXX XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 26. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 27. XXXX XXXX XXXX XXXX - # XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 29. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 30XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 31. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 32. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 34. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 35. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 36. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 37. XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EQUIFAX to report any NON PUBLIC INFORMATION, they have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
In According with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I received a collection letter in the mail from Penn Credit On XX/XX/XXXX for a delinquen/ fraudulent utility account in amount of {$470.00} that was opened without my consent by XXXX XXXX XXXX I explained to the representative that the information that they had on file was incorrect and that I had never lived at that address that the utility company had provided them nor had I ever done business with XXXX XXXX. At that moment I realized that I had become a victim of identity theft. I was provided with XXXX XXXX contact information and was advised to report the discrepancy to them. I was also advised by Penn to file a police and identity theft report. The collections representative that I spoke to also provided additional accounts and addresses that appeared on their system as delinquent. These additional accounts which I have yet to receive a collection letter from Penn-Credit appeared to be linked to my name and social security number. I contacted XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX to report these accounts as fraudulent. An agent by the name of XXXX assisted ( {$470.00} ) me with one of the fraudulent accounts and another agent by the name of XXXX opened a total of 6 fraudulent disputes ( {$280.00} ; {$280.00} ; {$310.00} ; {$470.00} ; {$470.00} ; {$400.00} ) for me. XXXX provided a confirmation number ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) for each one of the accounts that she reported as fraudulent. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records ( Penn Credit ) and their own records. Both entities have be notified that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I reside at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I was told by XXXX XXXX that they would Investigating these fraudulent accounts in addition to getting them removed from the collection agency. I was also told by XXXX that someone from their company would be contacting me within 14 days and I have yet to hear back on the XXXX accounts that XXXX reported. I have been actively monitoring my credit report since XX/XX/XXXX. All three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity was stolen. I have filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to be placed on my credit reports and fraud alerts have been placed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Starting in XXXX, subpoenas were issued to Wells Fargo Bank to obtain the signature cards for three accounts. The signature cards were needed to confirm ownership of the accounts at Wells Fargo Bank as the owner had passed and her estate was in probate. After considerable effort, Wells Fargo finally released the final signature card in XXXX, XXXX. The information provided showed the Decedent and her husband as account owners had added a daughter to one of their accounts in XXXX. The manner in which the daughter was added raised questions as the initial designation was as a XXXXXXXX XXXX XXXX. The signature card also shows the XXXXXXXX XXXX XXXX  designation was lined through and changed to read Beneficiary. This change was not dated or initialed by the account owners, making the change suspect. In XXXX the account owner updated the signature card for all three accounts and removed the daughters name / standing. In XXXX, the signature card was updated again to show the death of the husband of the account holder. Once again, the account holder declined to add the daughter back onto the account. Wells Fargo Bank is now refusing to honor their signature cards and release the funds in the account to the Decedents estate. The daughter who was removed from an account in XXXX ( beneficiary status eliminated ) is now claiming she is entitled to funds in the 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 explanation
Consumer complaint received 2022-05-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In the past couple of months, someone opened 7 accounts under my name using my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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:
In the past couple of months, someone opened 7 accounts under my name using my identity.

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 2022-05-18 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:
I sent required documents for items on report to be removed off report and I still haven't heard anything back I'm submitting the police report again for the second time.

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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ME

Complaint narrative:
My husband was selling a XXXX scooter for {$1200.00} on XXXXXXXX XXXX XXXXXXXX. A woman named XXXX XXXX ( her account is now deleted ) wanted to pay him via Zelle. We didn't use Zelle but I could see my bank, XXXX XXXX XXXX, offered Zelle so I assumed it could be trusted and I enrolled so she could send payment. She told me she sent payment and thenZelle sent me an email telling me that she would be sending me an additional {$300.00} to upgrade my account to a business account because my personal account could not accept that much. They instructed me to contact her to get info on how to send the extra {$300.00} back. I contacted her via her XXXX XXXX and she provided an email address. I received a notice from Zelle claiming they had received her {$1200.00} and would release the money after I sent the {$300.00} extra back to her. I sent {$300.00} but she claimed not to have it. In the morning I questioned Zelle about this and got another email from them telling me to send an additional payment to XXXX of {$350.00} for processing fee. I told them no and that I reported them to the FBI, my bank, and Zelle. I told the fake Zelle representative that I did this and I received a threatening email back from this person telling me they would be reporting me to the FBI and I would be charged with a crime for failing to make payment. I told them go ahead. I was the seller, not the buyer so what payment was I failing to make? Anyway, this was obviously scam and I'm out the {$300.00} but it is FRAUD for these scammers to claim to be Zelle. These scammers need to be charged with fraud. I have emails, XXXX messages, etc... that I will provide you with if you give me an email address to your fraud department so I can attach them. You have all my contact information, please acknowledge receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was a victim of " Skimming '' Crime on XX/XX/2022. At the time of the withdrawal of {$300.00}, I never used my Chime Debit Card. As soon as I learned that I became a victim of " Skimming '' Crime, I reported the problem to Chime Bank. Chime Bank made an adverse decision as a result after I presented multitudes of evidence, screenshots, location, Witnesses, Co-Workers, Supervisors, Names, Phone Numbers, etc., to their Fraud Investigations Team. I had Chime Bank, XXXX, give me a Replacement Debit Card. And, Chime Bank gave me a Damaged Replacement Debit Card. So far, I'm getting consultation from Attorney XXXX XXXX XXXX. My Claim Number from Chime Bank is XXXX. My XXXX XXXX with Attorney is : ( XXXX )

Company response to consumer: Closed with explanation