vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : 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 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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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 # : XXXX, Account name XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : 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 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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I reviewed credit report on XX/XX/23 and saw collections on XXXX report for Phoenix Financial Services. I called Phoenix Financial Services on 2/13XX/XX/23 and was told that this is a collections company collecting a medical debt of {$120.00} for XXXX XXXX XXXX XXXX XXXX, Texas. It is listed as a collections on my credit report and not as medical debt. I had no previous knowledge of this debt. The last visit that I did have at this hospital the amount owed was paid in full and that amount was {$170.00}, in which I have a receipt for. I was told by a representative on XX/XX/23 that if debt was paid this would come off my credit report. I filed a dispute on XXXX because I need this removed from my credit report because this information is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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 XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please see attached tracking number on last and final request PLEASE NOTE new information/investigation XXXX has XXXX input in computer SS tracker and trying to establish a Nevada residents when I am a California Residents LAST REGISTERED LETTER ASKING HIM TO BE REMOVED AND NOW ASKING THE ATTORNEY GENERAL FOR CRIMINAL ACTION not to mention probably the reason my old Email was compromised and had to shut it down loosing all my case logs

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022 I received a call from USAA stating that there had been an account takeover/data breach on my checking account. The bank stated that the new debit card I had ordered had been rerouted to a Florida address and whoever got it caused a data breach on my account. After getting into my account they found another checking account from another bank that had been linked to my account. They pulled XXXX from that account and tried to deposit it into my account so they could have access to it. USAA caught this amount of XXXX and called and said there was an account takeover or data breach on my account and they were sending it to the fraud department on that day XX/XX/2022 and that the funds would be deposited back to the original account within 3-5 days. I have called them every week since that date and I get the same response the fraud department is working on it and the funds will be refunded within 3-5 days. So far they have not refunded the amount. USAA never sent any correspondence or assigned a case number to this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Someone got a credit card in my name without my consent I want to find out who did it and want them to go to jail it was from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
To Whom It May Concern, I will lay out my complaint so it is very clear on what action needs to be taken. 

My Request : - Do not deduct {$1700.00} from my account that you claim was temporarily credited to my account for claim XXXX as stated in your letter dated XX/XX/23. 

High Level Reasoning Why You Shouldnt Reverse : - Wells Fargo never credited me {$1700.00} for claim XXXX or any other claim. I have attached supporting letters and images showing credit and deduction history for claims and letters. 

Detailed Reasoning : Please see below for timeline of events and evidence that any provisional credits in my account were removed as of XX/XX/23 leaving Claim XXXX closed. 
- On XX/XX/23 I disputed {$4900.00} in charges opening up claim XXXX. 
- On XX/XX/23 I received a provisional credit for claim XXXX in the amount of {$4900.00}. 
- On XX/XX/23 I disputed {$6900.00} in charges opening up claim XXXX - On XX/XX/23 I received a letter from Wells Fargo that said claim XXXX was being merged into claim XXXX and being treated as one claim for a total of {$11000.00} ( $ XXXX {$6900.00} ) - On XX/XX/23 I received a letter from Wells Fargo that said the provisional credit of {$4900.00} that was applied to my account for claim XXXX on XX/XX/23 would be deducted out of my account on XX/XX/23. 
- On XX/XX/23 I received a letter from Wells Fargo that said the {$6900.00} in charges were deemed valid and claim closed. ( NOTE no credits for these charges were ever made ) - On XX/XX/23 I received a letter from Wells Fargo that said for Claim XXXX they would be deducting the {$1700.00} temporarily credited to my account from my account on XX/XX/23. ( CRITICAL NOTE NO TEMPORARY CREDIT OF {$1700.00} was ever applied to my account ) - On XX/XX/23 Wells Fargo deducted {$4900.00} from my account. Leaving claim XXXX with a net {$0.00} balance ( Provisional Credits Deduction of Provisional Credit ) In conclusion, I am respectfully requesting Wells Fargo to admit their error in sending the letter on XX/XX/23 and to not deduct {$1700.00} from my checking account because there is no basis to. This would cause undue hardship to me and my XXXX children under XXXX. I request all communication regarding this claim be done through CFPB or written communication to protect my rights.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Its been one year and this company has continued to report fraudulent information, it has damaged my credit and life I will be seeking legal action against this company as well. I want the fraudulent accounts removed from my credit report immediately

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Its been one year and this company has continued to report fraudulent information, it has damaged my credit and life I will be seeking legal action against this company as well. I want the fraudulent accounts removed from my credit report immediately

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 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a savings account at BMO and I transferred {$25000.00} from my XXXX XXXX to this BMO savings account I had just open. Then I changed the address on their website and after that, my account was blocked.

BMO customer service asked me to send documents to their bmo verification email. I did. Then they said the addresses don't match and told me the only way to solve this was for me to go to a branch. I live a 6 hours flight way from their branch. I was even told by one of the customer service staff that it was my fault for opening an account at a bank without a branch in my city. I have no access to my money anymore. I was told that the other way would be to wait 60 days after they close my account, after they investigate, and then send me a check, but they couldn't tell me what address the check would be going to.

I called them 10 times, nobody at BMO was able to help fix my address and give me access to my account, they say I have to go to a branch. Flying there is not gon na work, even if I could fly there, they said in the letter the account would be closed on XX/XX/XXXX, that's two days from today.

I don't know if and when I will see my money again. It's been almost 2 weeks so far

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 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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