vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I called TRANSUNION and XXXX on XX/XX/XXXX regarding erroneous inquiries that were placed on my reports without my consent. When I called in they told me they would be working on getting this inquiries removed and since then there has been no changes made for inquiries done erroneously. 

Transunion Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  - Inquiries done 2 times by this company XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries done 2 times by this 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I called Bank of America on XX/XX/XXXX once a credit report pulled from XXXX XXXX XXXX XXXX showed that a bank account was opened up in my name while I was XXXX XXXX XXXX XXXX. The account was opened up in XXXX. I was in XXXX from XXXX to 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I don't know how to communicate with Truist regarding mortgage payment problem I had with them while my XXXX was sick and XXXX of XXXX. Every time I write a complaint and ask for resolution and removal of the remarks on my credit account Truist repeats what I said back to me what I wrote and the matter is closed. Truist failed to process payments as set up and has inaccurately reported to all three credit bureaus differently.

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 2023-08-18 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My credit Report from Experian lists the same bad debt twice. Once from the original creditor who sold it to a collections agency and the same debt from the collections agency the debt was sold to. I believe it is illegal to report bad debt when a company sells it to another company who is already reporting it. I filed a complaint yesterday with Experian who did not remove it and won't allow me to file another complaint regarding the same issue.

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 2023-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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

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 2023-08-18 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 have no credit or theyre not showing anything for my name. Ive sent Equafax and XXXX copies of my SS card Drivers License and my Medicare ID card.

They got it and scanned it on their machines. At that point they said it was blury. It was very plain on the paper. So they wont put me in the credit bureau. Im trying to buy a house. 
My grandma put me on her XXXX account so I could get credit established. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: NM

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.

The letters are stated with items and issues.

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 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 2023-08-18 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: NCB Management Services Inc.
State: MO

Complaint narrative:
XXXX Report Number : XXXX Date Generated : XX/XX/2020 Account Number Starts With : XXXX Collection Company : NCB MANAGEMENT SERVICE Amount Owed : {$9200.00} I am not liable for this debt with XXXX XXXX XXXX . I do not have a contract with NCB MANAGEMENT SERVICE. Neither XXXX nor NCB MANAGEMENT SERVICE has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: NM

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.

The letters are stated with items and issues.

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 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I get an email from XXXX saying Update your payment method. Don't lose XXXXXXXX XXXX They said I had until XX/XX/XXXX to fix it or my premium would be cancelled. I work M-F XXXX, their company is on the west coast so 3 hrs behind . The 're no way I'm able to pay it because my company I work for is on the west coast so when their open and closed, I'm clocked ina ns logged out. I tried to update my payment again yesterday aft around XXXX before they closed at XXXX. Suddenly my Google Pay account was suspended and I google that I could lose my google account because they can't verify my information. I've sent them my Drivers license and updated my old address to the current address. My account is still suspended!!! XXXX I AM A XXXX PLAN WITH XXXX AND NEED THE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXXXX/XX/ Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XX/XX/ Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Name : XXXX XXXX XX/XX/ Inquiry Name : XXXX XXXX XXXX XXXX XX/XX/

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 2023-08-18 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I never signed an agreement with this company to file a service or pay any debts. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

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, and XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

XXXX XXXX XXXX XXXX XXXX Continental Finance/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Verv 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I got a vehicle through US AUTO Sales and who is now currently backrupted and now westlake portfolio management who is a debt collector is trying to get me to pay for my truck through them but my contract with us auto sales was fraudulent and now no one is available to give any further answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I signed up for a Wells Fargo checking account. This account was supposed to have had a {$320.00} sign up bonus after direct deposits of {$1000.00} being made to the account within 90 days after account opening. Having met these terms and not receiving the bonus, I contacted Wells Fargo once by phone with no results and then through XXXX. The response from XXXX told me to call another number. When I called they told me that I was not eligible because I had received this bonus in the last year. I asked her to send me a copy of my other account and when that bonus had posted. That bonus for the account was posted on XX/XX/XXXX and it was closed a couple of days later. 

The terms for the new account very clearly stated that you were not eligible to receive a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

My account in question was opened on XX/XX/XXXX and since this is past the 1 year date of the last bonus received, I should be eligible for this bonus.

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 2023-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
US Dept of Education - This debt was from XXXX XXXX in XXXX. I disputed and it was removed from my credit report in XXXX/XXXX. It is now being reported as Dept of Education. Experian and and XXXX continues to report a 30 yr old debt on my credit report. I have disputed and sent documentation as to why it should be removed. XXXX removed the information in XXXX of XXXX. This debt occurred in XXXX. I filed XXXX  XXXX in XXXX and it was discharged in XXXX of XXXX. According to the Fair Credit Reporting Act, the length of time that collection accounts may remain on credit reports is seven years and 180 days from the date the consumer first falls behind on the original 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 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: GA

Complaint narrative:
The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft. 

I have never heard of the company, and I am not in any contractual agreement with the company. 

The companys actions have violated my consumer rights under federal law and have caused me personal injury. 

The company is civilly liable to me under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: SC

Complaint narrative:
Despite my dispute initiated on XX/XX/2023, I received a response from Experian confirming the verification of inaccurate information associated with this account. It is essential to highlight that I have never engaged in any business transactions with XXXX, the entity linked to this account. 

This situation directly contravenes the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ), which stipulates my right to receive documentation validating the debt 's legitimacy and the original agreement when impacting my credit report. The absence of such crucial evidence raises significant doubts about the accuracy and integrity of the credit reporting process. 

Furthermore, I wish to address Experian 's noncompliance with Internal Revenue Code ( IRC ) Section 6050P. The omission of Form 1099-C for a charged-off debt, such as the one in question, not only violates IRS regulations but also undermines ethical and legal credit reporting practices. 

Equally concerning is the inclusion of the charged-off account on my credit report without a permissible purpose, a direct violation of FCRA Section 1681a-2. This breach compromises the accuracy and fairness of my credit history and indicates a disregard for consumer rights.

Consequently, I demand the immediate removal of the charged-off account from my credit report, in line with these legal imperatives : FCRA Section 609 ( a ) ( 1 ) ( A ) : Timely provision of the original contract or agreement associated with the charged-off account for verification.

IRS Code Section 6050P : Issuance of Form 1099-C for the charged-off debt and furnishing evidence of its issuance, as mandated by law.

FCRA Section 1681a-2 : Comprehensive investigation into the inclusion of the disputed account, including physical authentication of the original consumer contract.

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 2023-08-18 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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