vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ; Amount : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: MI

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 2024-06-14 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: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For the last couple of days I have been receiving calls from a XXXX number and I get these calls either back to back or even late in the evening. I did research the number but it doesn't come up under TD Bank. I do understand my account is overdrawn and I do work and get direct deposit into that account, and it has happended to me a few times with my account being overdrawn and I always took care of it. so I don't get why all of a sudden i'm getting these calls from a number that is not associated with TD Bank. the number that is calling is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I completed an online purchase through the XXXX XXXX XXXX 's website of a diffuser and a single bottle of oil. On XX/XX/XXXX I got a call from scent consultant XXXX XXXX XXXX XXXX XXXXXXXX where we discussed that my purchase of the diffuser will be refunded if I subscribe to the oil " subscription ''. She asked me for my social security number needed for the oil " subscription '', and its intended use was only to verify my identity. A link to start the application with XXXX XXXX XXXX by clicking here XXXX XXXX XXXX. The application attached goes over terms. XXXX XXXX, she flew through the application, noting " click here '' " initial there '' and so forth. Upon arrival of the portion of the document that speaks to interest charges, she said for me to " ignore the interest, the company absorbes the interest so don't worry about that '' This call too place on her personal line of XXXX so it would not have been recorded. 

A few weeks later I receive a statement that shows interest charges in the amount of {$10.00}. I sent an email to XXXX to uncover review the potential XXXX concern and of course did not hear back. Copied on this email were XXXX and XXXX of Universal Account Servicing LLC ( UAS ). XXXX XXXX. XXXX was opened with the XXXX XXXX but I never heard from Universal Account Servicing. I was contacted via phone by hotel collection and had a discussion where I was encouraged to pay in full {$3900.00} in order to " avoid interest charges ''. I expressed that I being told there was no interest during the call with XXXX and again during this call was deceptive. 

My original purchase of {$1000.00} will now cost {$5000.00} because I was talked into a financing a purchase disguised as a " subscription ''. The word subscription presents a very different level of engagement than that of a interest bearing loan. This complaint is on both XXXX XXXX XXXX XXXX as well as Universal Account Servicing LLC ( UAS )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened a merchant dispute with my XXXX on XX/XX/year> under the reference number XXXX. 
I made a purchase on XX/XX/year>, with delivery service to my address, the expected delivery date given was XX/XX/year>. The shipment never arrived so I contacted the merchant and they proceed to cancel due out of stock of the XXXX XXXX XXXX purchased. 
They sent me the refund receipt but the refund was never posted to my account. 
I sent by fax all the documentation to the XXXX  on XX/XX/XXXX and XX/XX/XXXX, supporting my case but even that the claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago I sent correspondence regarding these listings, but I have not received a response, and they have failed to provide adequate validation for these supposed late payments. I kindly request your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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:
The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The inclusion of these items has profoundly and negatively impacted my life, causing me XXXX XXXX XXXX XXXX It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received notification from your organization asserting that my personal information was linked to copyright infringement activities. However, after a thorough review of the provided details, I wish to contest the accuracy and validity of this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received notification from your organization asserting that my personal information was linked to copyright infringement activities. However, after a thorough review of the provided details, I wish to contest the accuracy and validity of this claim.

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 2024-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Demand for face-to-face meeting with the Creditor to return Original Promissory Note, original Mortgage, original Assignment of Mortgage ; release of the lien signed by an authorized officer of the Creditor and proof of separation of asset from account receivable owned by the Creditor. 
on XX/XX/XXXX Servicer Wells Fargo N.A. for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sold my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX for {$130000.00} to a bona fide buyer. 
I never received back my original documents after this sale - Promissory Note, Mortgage and Assignment to XXXX XXXX. I also never received any releases of the lien which means that my original Note and mortgage are still in circulation and generate about {$180.00} per {$1.00} dollar listed in the Note.

As the result, on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX system sent me a " Notice of Servicing Transfer '' to XXXX XXXX XXXX, XXXX with demands for payments for the " mortgage '' three months after my property was sold.

I demand ( A ) RETURN OF THE ORIGINAL NOTE AND THE ORIGINAL MORTGAGE ( B ) PRODUCTION OF PROOF OF PAYMENT AT ORIGINATION AND ALL TRANSFERS UPON WHICH THE PRETENDER LENDER RELIES FOR ITS AUTHORITY TO COLLECT THE MONEY AND ( C ) PROOF OF LOSS BY ACCESS TO THOSE PEOPLE WHO MIGHT HAVE RECEIVED AN ASSIGNMENT OF THE LOAN OR WHO HAVE A BACK-DOOR OWNERSHIP INTEREST IN THE LOAN THROUGH OWNERSHIP OF A DERIVATIVE OR CREDIT DEFAULT SWAP.

This is necessary to prevent multiply liabilities since it is possible for the occasional real note to pop up and someone else will demand from her payments, as it happened before despite the fact that her faux mortgage documents are supporting XXXX XXXX XXXX in credit derivatives, insurance and credit default swaps upon which undisclosed to her investment bank and its non-disclosed intermediaries hedge funds and XXXX XXXX had already been paid many times. 

XXXX XXXX non-human " lien release '' is not acceptable. I demand a face to face meeting with the authorized officer of the Creditor who has personal knowledge about accounting and bookkeeping to return me my original documents and a release of the lien we-ink signed by the authorzed officer of the Creditors and all other parties who had interest in the collateral.

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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 2024-06-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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 2024-06-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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