vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please refer to information in XXXX. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please refer to information in XXXX. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account was disputed with Equifax on XX/XX/2022, no response for more than 30days. By FCRA laws they need to deleted from credit report. 
They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: LA

Complaint narrative:
As previously stated, experian is continuing to deny my consumer access for disputes directly on their site. EXPERIAN consumer reporting violation, compliance reporting standards violations. PLEASE SEE ATTACHED.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE EQUIFAX FIND THESE MISSING ACCOUNTS I am missing several accounts on my Equifax Credit Report that have been reported to Equifax but Equifax IS NOT SHOWING ON MY CREDIT REPORT RESULTING IN MY SCORE BEING MUCH LOWER ON EQUIFAX. 

Please Stop saying you do not have my ID info it is attached to this complaint as it was to the last version of this complaint and also was sent to Equifax in XXXX as requested. Proof of delivery attached. 

Also attached is a screenshot showing the missing accounts with a XXXX XXXX next to them. 
These accounts have always appeared on XXXX and XXXX with NO ISSUES. 

JUST NOT APPEARING ON EQUIFAX CREDIT REPORT. 

I have called over and over and over with NO RESULTS. 
Have been told several times you would escalate up the chain to find the problem yet here we are with NOTHING being done to find these missing accounts. 

Have spoken to each and every lender several time and they ALL have told me these accounts are being reported to Equifax PLEASE FIND THESE ACCOUNTS FIX THE BUG IN YOU SYSTEM AND LETS MOVE ON. 


SEE ATTACHMENTS..SEE ATTACHMENTS..SEE ATTACHMENTS..SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I know I've already sent a complaint prior but I'm just so overly welcomed that when you're the victim of the situation and you're being told that you can't get your funds back no matter how it happened it happened to me and I've been fighting to get my funds to me since the end of XXXX and I feel this is so unfair I said so many letters in I sent police report and I've sent even text messages amongst the people that had something to do with like I said they did refund some to me but I'm still waiting for {$1000.00} withdrawal and XXXX {$500.00} withdrawals with an {$800.00} withdrawal and in the copies of a text messages I send to them it states that they had a picture of my bank card and that's how they were doing the online transactions and they went to the mailbox and got my card out and they did a few other transactions because I had definitely known it was someone that was around me that done this to me so I start confronting people and then a certain person to text me and told me that they seen the pictures of my card and they were using my card and they went to the mailbox and this was told to me from a friend of mine and I swear to XXXX I had sooner or later you know karma will get them I don't have actual proof of them doing that something like that to me but I thought that was a good enough proof for them to refund my money back to me I'm definitely the victim and I would love to be treated as the victim. I mean I said in the last one I sent the documents of XXXX transfers that was on my account that I never took out you can see it's not on my XXXX account and it shows whenever they take out withdrawals there was like a XXXX transactions along with it the bank have no problem refunding XXXX to me and when you look at it it's like back to back XXXX, XXXX XXXX XXXX and it's like that through my whole Bank summary like anything they took out there was a XXXX transfer with it. And they had no problem with doing refunded online transactions. But the withdrawals is what they're having a problem with but you can see the XXXX  along with that too.

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 2023-01-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I've been XXXX XXXX thru PayPal as a XXXX XXXX and I've had an incident where someone would buy a specific item like a XXXX XXXX XXXX XXXX and file and refund claim thru PayPal stating that they never received the item or stating that the item is not as described which PayPal would be on the buyer 's side even if there wrong and receive a full refund and I would have to pay charge back and this incident happen twice which had gotten my PayPal account permanently banned for fraud activity The first incident happen on XX/XX/2021 refunded {$340.00} Second incident happen on XX/XX/XXXX refunded {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Has contacted family members outside of immediate family. I also believe that wages have been garnished outside of the limitations of when they can be as I also just received another letter and another court date for Midland financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts 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
Consumer complaint received 2023-01-04 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts 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
Consumer complaint received 2023-01-04 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 have submitted multiple disputes and FTC report regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I created a coinbase account. 

I verified my identity, XXXX XXXX 

I did a XXXX currency recharge from my bank without problem. 

I made a change from XXXX XXXX XXXX without problem. 

Now they have my money withheld, they won't let me send the XXXX outside of Coinbase, they have restricted my sending, and they don't tell me why, they don't give me a solution, and they have my XXXX in their possession. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: FL

Complaint narrative:
FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Some one made an account in credit karma and XXXX  got my info for the job background and the addresses they had were places I never lived so these people were using my info to do something which I don't know what

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My XXXX XXXX XXXX XXXX  XXXX years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with XXXX XXXX under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.

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 2023-01-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
My truck was broken into XXXX years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with XXXX XXXX under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
During financial hard times my Bank of the West account got low and I was charged multiple overdraft fees. I submitted a leadership of instrument to the bank in order to settle the account. I received no notice of this owner from the bank and by their non-response by assumption is that the negotiable instrument was excepted value but the bank never provided valuable consideration for the transfer. I have made numerous request in writing to provide answers to the questions that I am dealing with and bank of the west has provided no written response or answers or remedies to the problem at hand.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Good afternoon, while on XXXX XXXX my personal information was lost on XXXX different occasions. Where someone was using my credit card to purchase all kind of products back in around XXXX or XXXX. It's so long so I don't have exactly date, I called in and was to that this matter was going to be fix which it didn't for over XXXX dollars. 

My second dispute is with southwest credit service. I have been a member of XXXX for all most 20 years and paid all my bills up to date. I have no recollection of of a XXXX service from these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Disputing Personal Information, Collections, Inquiries ( See Attachments ) Inaccurate Personal Information ( Name, Address, Employment, Social ) Collections ( see attached ) XXXX XXXX  XXXX XXXX XXXX XXXX FDCPA & FCRA Violations ) Requesting ( Validation, Verification, Proof Validation Letter Sent, Address on file for consumer ) ( All Documentation in Cease and Desist Letters ) Attached Hard Inquiries ( no authorization ) Permissable Purposes

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

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. XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The accounts listed below are incorrect, this is affecting my livelihood and ability to use my credit, remove these accounts listed down below at once I demand deletion for the damages that have been done. 

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Someone open a credit card account at Target. I never apply for a credit card. I called Target to report.

Company response to consumer: Closed with non-monetary relief