vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I applied for a credit card with Union Bank XX/XX/2021 ; never received a reply ; no card to activate. Little did I know, an identity theft had already occurred. Charges were allowed on the card for more than 2 months! I wound not know because no statements were mailed to me. I blame Union  Bank for letting its guard down maybe because I had a high credit rating XXXX. No verifying my identity, allowing the fraudulent user to steal my identity, proceed with anomalous multiple purchases and cash advances in just 2 days without any check or verification that it was indeed me ; no text no phone call, no alert, at all. 

Unknown to me, transactions amounted to almost {$18000.00} have been accumulating from XXXX XXXXXXXX XXXX, using up the credit limit of {$15000.00} and then some. This is obviously a red flag that Union Bank did not do anything about. I have copies of 2 monthly statements which by the way were not received in the mail - I had to request for them late in the game. Month after month, interest and late payment charges were leveled against the account with this high balance, which by then in XXXX came as a big shock when I finally got the statement mailed to me. All this time, I thought my application for the credit card in XXXX was denied and forgotten. 

I personally went to the bank in XXXX, to tellers, to account managers to have the whole thing rectified and in earnest time. Nothing happened immediately but eventually got a letter from Fraud Dept stating that the matter is under investigation, after so many calls and hours of waiting in the call answering system. 

I don't even know the full account number, just the last 4 digits that show on the statements. From my multiple calls with Union Banks representatives over the months, I was able to gather the first 6 digits of the account number and a phone number associated with the perpetuator. No follow up at all from Union Bank until now that I've sent letters to all three credit bureaus and CFPB. XXXX XXXX Bank now asks for a police report which I immediately mailed to them today, XX/XX/XXXX. I will be giving updates right after anything comes up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: MN

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX 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 a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: MN

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATIONXXXX 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 a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX XXXXXXXX Opened XX/XX/XXXX for {$250.00} - XXXX Opened XX/XX/XXXX for {$5100.00} - XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Opened XX/XX/XXXX for {$820.00} - XXXX XXXX ( Original Creditor : XXXX XXXX ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXXXXXX XXXXXXXX Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for 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 2022-08-24 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: GA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I do not wish to renew this card for an additional year, however the company is refusing to remove the {$39.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 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: CA

Complaint narrative:
I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.

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 2022-08-24 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: MA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This card is co-owned by myself and my daughter ( XXXX XXXX XXXX ). On XX/XX/2021 my daughter, XXXX, went to XXXX XXXX XXXX owned by XXXX XXXX ) at around XXXX XXXX She ordered either 2 or 3 drinks for herself and two friends. The bartender kept the card to keep a tab open. My daughter left the bar around XXXX without ordering any more drinks, and she forgot to pick up her card. Someone ( bartender? customer at the bar? bar owner? ) charged {$1100.00} to this card at XXXX. The tab was closed out the next day, XX/XX/2021 with a forged signature. We contacted Wells Fargo when the charge showed up, and they advised XXXX not to close the account, and that they'd take care of it. We followed their advice. They removed the charge for a period of time, then put it back on, without notifying us. We finally decided on our own that the best course of action was to report this fraud to the police in XXXX XXXX  XXXX XXXX where XXXX is located ), and they took a report and are still investigating this crime. I've spent over 20 hours talking to Wells Fargo about this, without satisfactory results. This is a clear case of fraud, with an open police investigation, and a clearly forged signature. My daughter also forwarded time-stamped photos and a taxi receipt to Wells Fargo to prove she wasn't at XXXX when the tab was closed out. I've repeatedly asked Wells Fargo to explain why they won't remove it, and they keep saying it's because there's a signed charge slip. I've had fraud removed from my other cards when there was a signed charge slip, and this signature is forged, so I'm not buying their explanation.

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 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Company : Credence Phone number : XXXX ( XXXX ) XXXX Date & Time : XX/XX/2022, XXXX I do NOT owe this company any money, never even heard of them, and I have no debt! They keep calling and when I answer they hang up right away! Straight out harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Someone has been trying to open multiple different credit cards in my name

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 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was scammed out of {$3500.00} by someone acting as a representative of my title company when closing on a home. Bank of America did not follow any of their protocols when processing the wire. It was wired from one Bank of America to another a few towns away. Bank of America says there is nothing they can do to recover my funds.

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 2022-08-24 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: Nelnet, Inc.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATION/NELN 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX  XXXXXXXX XXXX, Portfolio Recovery. I never charged anything on those accounts. I would like them removed and my birthdate corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX Midland funding, XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XX/XX/2022 I received a message saying that my checking account balance was XXXX. I have a XXXX XXXX XXXX XXXX XXXX ) account which I checked and attached to that account was an Everyday checking account that I had not opened. I called Wells Fargo and reported the fraud. It took them about 4 weeks to resolve the issue and said that someone had opened the account online. In XX/XX/2022 I received the same message and checked again and found that Wells Fargo allowed someone to open a checking account again in my name linking it to the XXXX account. I again called Wells Fargo to report it and asked them to not allow any online changes to be made to my accounts. If a change is to be made to my accounts it will need to be done in a branch and person should show ID. Wells Fargo said that they could not do this. What an international bank can not protect its depositors from fraud on their accounts, thats ridiculous. I want Wells Fargo to put a stop to allowing people to opening any account and linking it to my 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 monetary relief
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
I am a real person a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times- listing incorrect accounts, reporting incorrect credit scores. Ive demanded these accounts to be remove directly and have already sent numerous disputes and they are still not removed. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts in the first place.

According to the law 15 USC 1681 the consumer reporting agencies exercise their great responsibility with fairness impartially and respect for consumers right to privacy. 

I demand the following accounts and inquiries to be removed from my credit report immediately. 

XXXX Partial acctXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Partial Acct # XXXX 
XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ... 
XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems in XXXX, GA keeps calling me about a debt that I do not owe. I've sent them numerous emails and spoke with them several times on the phone to let them know I needed to see proof of debt because I don't owe anyone, anything. They finally emailed me one document of an apartment lease that ended XXXX of XXXX. I let them know I moved out of this apartment in XX/XX/XXXX of XXXX, and that I don't understand what they are trying to collect. On 3 separate occasions they changed their story of why they were collecting this debt. First they told me if was for lost keys, then they told me it was for missed rent in XXXX, lastly, they told me if was for rent for the month of XX/XX/2022. Well, I moved out in XXXX, so I didn't owe XXXX rent. The only document of proof they were able to show me was a lease that expired in XXXX. So, how can they justify collecting on a debt from a month that I didnt even live at this apartment? I've sent them screen shots, emails, phone records, videos, pictures, etc from my moving day and they just keep calling me. I've sent them all of the documentation that one would need to be able to see the apartment is not being truthful. They can not seem to produce " proof '' that I owe rent, the collections representative told me today that they just rely on the apartment 's word. Correct me if I'm wrong, but I dont think that is how the law works. Just because an apartment manager ( who is proven to prey on the elderly ) says I owe something, does not mean I owe it, unless she can prove otherwise? And so far, they can not prove it, because its not true. I need someone to help me because the manager at the collections company seems to be friendly with the apartment manager, and I honestly believe something illegal is happening here.

Company response to consumer: Closed with explanation