vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed a dispute on XXXX  thru Experian in XXXX & XXXX XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with XXXX  on XXXX XXXXwhich I PD on XXXX XXXXbut on Experian it states PD XXXX XXXX but references XXXX  and was for XXXX XXXX {$2100.00} 2nd mod PD end of XXXX XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XXXX XXXX for XXXX XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XXXX XXXX disputed the dates & XX/XX/XXXX said no payment i am going to The XXXX XXXX XXXXXXXX tomorrow to get payments sent to XXXX  from XXXX XXXX, XXXX. Which will prove XXXX received the monthly payments. The Attorney Generals Office in XXXX reached XXXX & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from Experian that my dispute was ready checked Experian put in No Payments for XXXX  which also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XXXX  after Fraud/Identity Theft!

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 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a new account with Wells Fargo in early XXXX. I decided to use it for more of a direct deposit account. Anyways On XX/XX/21 I noticed there were 16 XXXX transactions that were made from my online account plus there were 2 additional names added to my XXXX account. I called Wells Fargo letting them know about the XXXX transactions and they were very helpful in making a new account. Changed my password and said they were filling a fraud claim. They said it could take 10 business days which I understood just wanted to get it handled. I called 3 separate times with the 2 weeks and was never really told anything helpful. Then the 10th business day arrives and they tell me that my claim has been denied. Around XXXX dollars was stolen from my account and they tell me sorry nothing we can do They of course deleted the 2 names from my XXXX  account but they are still claiming it was authorized!

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 2021-08-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus.

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A Equifax : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was affected by XXXX  inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called XXXX  multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : XXXX  : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX XXXXXXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 6 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Experian  : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A

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 2021-08-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted disputes to Equifax 5 times now advising them of the credit inquiries on my credit report that were never authorized by me. Equifax is violating FCRA laws by ignoring my dispute request. Equifax is required to research and verify the information it is reporting to confirm its accuracy. Its been over the alloted 30 days and Equifax continues to ignore my dispute. I have attached my most recent dispute letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: NY

Complaint narrative:
When I applied to cash out my recently acquired investment properties at Athas Capital Group, XXXX XXXX told me that they would approve the cash out loan based on the actual market value at appraisal, not the purchase price because we acquired the properties at very low prices. However, after Athas Capital Group checked my credit score, they told me that they could only approve the loan based on the purchase price. XXXX XXXX cheated me to submit my application and business checked the credit score, now this business must remove this credit check from my profile as soon as possible. If XXXX XXXX did not promise to approve the cash out loan based on the actual market value, I would not submit the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
Chime bank I asked to put my account on hold on XX/XX/XXXX I had my tax return deposit I lost my card and it shows withdrawals atm my tax check was XXXX then I got my stimulus XXXX I didnt think any thing of it so I was post to get a new card and I didnt I cant even get into my account my phone number has been changed my password but I have called chime I have sent everything in that they asked me too its XXXX and still have not heard any thing so I called them back they are saying Im sending my documents to the wrong email I just want my money back and now I dont have aback account but I have every transaction that was made I have all the times someone has reset the password the phone number my number is ( XXXX ) XXXX I just really wish someone can please help me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i. This is ruining my livelihood and ability to apply to certain jobs and have credit extended to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ingenuity RM, LLC
State: MN

Complaint narrative:
I am constantly receiving harassing, abusive, and profane phone calls and letters via U.S. mail from Ingenuity RM Representatives in regards to file number : XXXX, Amount : {$200.00}. The account or debt is not my account or debt. The debt was incurred as a result of identity theft. The account or debt is not mine. The account and debt is a fraudulent account and from identity theft. Ingenuity RM is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. 
The client of them is LVNV Funding, LLC. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: WA

Complaint narrative:
My name is XXXX XXXX. My credit report currently shows two inaccuracies. I have disputed them with Experian and the information remains unchanged. There are two collection accounts reported from XXXX XXXX : one for ) XXXX and the other for {$5400.00} ( I believe ). I learned about these accounts in 2019 when I went to refinance my home. I was completely unaware they existed. But after some research, I learned that one of my previous employees at my company, had signed my name as a guarantor without my knowledge. At the time, I was uncertain how the dispute process worked. But my daughter has helped me see how simple this is. 
During the time I was refinancing, I thought paying these unknown charges would be the easiest way to solve the problem. I didnt want to get anyone into trouble either. But they are, in fact, fraudulent charges. If you look at my credit report, you can see that I have always maintained a good credit reputation. I did what I thought was best and paid these collection accounts off. It seems as though I shouldnt have, because Experian continues to leave these as reputable accounts. But I promise you, I knew nothing of these accounts and I had no part in assigning myself as a guarantor. Could you please remove these from my credit report once and for all? I am an honest man, attorney and a veteran of the XXXX XXXX. I feel I did my due diligence by paying debts that werent even mine. All I ask is that you please make this right. Thank you.

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 2021-08-08 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: MD

Complaint narrative:
Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and XXXX. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please. My score dropped 74pts in a week and it already dropped a week before that. A collection was deleted then placed back on my credit report ... .This is totally UNFAIR!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This debt collector has been reporting negative and inaccurate information thats hurting my credit and will like for you to investigate this account. I under went a XXXX and my insurance paid this account in which this account should be settled. I would like for this negative remark to be deleted and removed from my credit report and send me an updated credit report.

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 2021-08-08 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: MD

Complaint narrative:
Somebody has to see that something fishy is going on with the credit bureaus.

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 2021-08-08 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: MD

Complaint narrative:
Somebody has to see that something fishy is going on with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: MD

Complaint narrative:
Somebody has to see that something fishy is going on with the credit bureaus.

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 2021-08-08 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: FL

Complaint narrative:
I submitted a request in XX/XX/2021 to examine incorrect information on my credit profile. After 60 days, I have still not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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 — Problem with personal statement of dispute
Company: Tate and Kirlin Assoc
State: AR

Complaint narrative:
I am disputing about 5 credit accounts that I found out I had on XXXX I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with Tate & Kirlin Associates , Inc . 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.

Company response to consumer: Closed with explanation