vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting 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. 


Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX XXXX , Account name : XXXX XXXX, Account name : XXXX/EQUIFA, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account XXXX : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account XXXX : XXXX XXXX  XXXX, Account XXXX : XXXX XXXX  XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 or any other adverse item of information, other than records of convictions of crime that antedate 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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX I went to the bank after probate court with my official documents and was told XXXX the account had already been closed.

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 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XXXX, I tried to use my XXXX Credit card to purchase some clothing for my children for XXXX. My card was declined. I thought I XXXX have had the wrong card on file [ they had recently sent me a new one ], so I pulled out the card and reentered the number and it was declined again. I thought I might had the wrong card in my wallet so I went online to try to see if I could find my card number. When I logged on, I was shocked to see I had a late payment of XXXX dollars and that they had decreased my spending limit from about XXXX to XXXX. I had made my last full payment in XXXX of XXXX and I had a XXXX balance. Apparently XXXX full days aftee I has XXXX out my balance of XXXX, they charged me a XXXX dollar interest fee and never sent me any emails or paper bills to tell me about this charge so that I could pay it off. From XXXX of XXXX to XXXX of XXXX, they have been charging late fees and interest fees and NEVER ONCE sent anything stating that there was this charge. When I called to figure out what happened, I was told I needed to call them to XXXX a verificiation for a XXXX balance, which in the XXXX years I've had this card, I have never had to do. I also asked why I wasn't emailed and they said they had emailed me and when I double checked my emails, there are still no emails of statements for XXXX. I am enrolled rhe paperless billing, but I never received emails giving me a statement. It also states on their site when you log on that since I have late notices, I will receive paper statements, which I have also never received. In the 6 years I've had this card, I have never missed a payment or been late on making a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon disputing a Bankruptcy showing up on my credit, Equifax responded with a letter stating that they have verified the Bankruptcy on my credit report. The data furnisher listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. I have contacted this Court and they stated that they do not report any information to credit Agency, nor they have verified any information. This is a lie and an inaccurate reporting from Equifax. I demand that this Bankruptcy be Immediately Removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2024-05-05 00:00:00
Product: Credit reporting 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Unknown sources ; credit was ran without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Lingering accounts with contradictory, nonsensical, and inaccurate information is displayed on my credit reports. Little has changed with Experian and XXXX despite submitting several disputes and also hiring credit repair experts to submit dispute letters on my behalf. Furthermore, the erroneous and lazy reporting an are affecting my status as an XXXX XXXX service member. My security clearance and access is in jeopardy despite working diligently to correct my financial status. I need these dead accounts to be removed as they have become obsolete and irrelevant. Especially those accounts that are 7 years old or more. I XXXX  my country and my unit will need me available for whatever is on the horizon. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXXt.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: UT

Complaint narrative:
On the morning of XX/XX/XXXX I woke up to 2 emails from chime saying that a bank account had been made using my info. I did not request this and tried to work with them to close the account. After multiple attempts they finally did, but the fact that an account was made that easily is a testament to how poor their banking security is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting 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:
I am a victim of identity theft. I recently obtained my credit report and found fraudulent accounts I never opened, an overload of addresses I never resided in, inquiries I never made, and even different variations to my name. I disputed this account with Transunion on XX/XX/XXXX and they have yet to respond to my dispute as of XX/XX/XXXX. Attached is proof of when the dispute was filed and the current status according to Transunion. It has been 51 days of silence from Transunion in regard to this matter. I am a consumer and I am aware of the legal rights I am provided under the FCRA and this is in direct violation of my consumer rights. The law states that credit reporting agencies are to promote accuracy which means removing the unauthorized account listed below that remains on my credit report. This is in direct violation of 15 U.S.C. 1681. My dispute was first submitted on XX/XX/XXXX. As you are well aware, federal law requires credit reporting agencies to respond within 30 days ( Plus 15 extended days after ). Transunion did NOT respond to my dispute within the given time period allowed so by LAW THIS MUST BE DELETED IMMEDIATELY. 

Also found this account : Acct Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX. ) Acct # XXXX Date Opened XX/XX/XXXX Balance {$5700.00} I am not liable for this debt and I do not have a contract with : Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone # ( XXXX ) XXXX Police Report and FTC Affidavit are attached to this complaint together with all my dispute letters sent to the bureaus. Please delete this account from my credit report at once. Any questions or concerns I can be reached at XXXX and by email at XXXX. l need a response from the company.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/year> OneMain financial did a hard inquiry on my credit report after stating on their website checking to see if I qualify would not effect my credit score. I have not even finished out the application before they did a hard inquiry. When I first put my information in it stated that the credit check would not effect my score. Immediately after submitting my information I received multiple alerts on my accounts stating I had a new hard inquiry from onemain financial. This is false advertisement. I would have never went through with this if I had known they were actually going to do a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : ACCOUNT NAME- XXXX XXXX XXXX ACCT # - XXXX ACCOUNT NAME- XXXX XXXXXXXX XXXX ACCT # XXXX ACCOUNT NAME- XXXX XXXX ACCT # XXXX ACCOUNT NAME- XXXX ACCT # XXXX ACCOUNT NAME- XXXX  XXXX- ACCT # XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCT XXXX XXXX ACCOUNT NAME- XXXX XXXX- ACCT # XXXX ACCOUNT NAME- XXXX XXXX XXXX ACCT # XXXX ( XXXX  XXXX XXXX ACCT # - XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXX - XXXX ( XXXXXXXX XXXX XXXX HAS violated my rights. 


I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

*There are charge off accounts that are reporting as debt but is canceled debt and by law rather is over {$600.00} or not it still needs to be filed as ordinary income and a 1099c need to be sent to me According to Publication 4681 ( 2023 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments *if a debt is canceled or forgiven for less than its full amount, you may be treated as having income and may have to pay tax on this income.

*For charge-offs over {$600.00}, the lender may issue an IRS 1099c form for cancellation of indebtedness, which needs to be treated as income on your tax return.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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