vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I initially notified LexisNexis, youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 


Despite two written requests, my most recent documented demand dated ( XX/XX/2023 Case # XXXX ) the non-certified item listed below still remains on my consumer reporting file in violation of Federal Law. 


Youve sold access to my personal information to XXXX, XXXX, and XXXX without my written consent under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( 2 ) In accordance with the written instructions of the consumer ( XXXX XXXX ) to whom it relates. 

Under 18 U.S. Code 1028A that legally classifies that action as - Aggravated identity theft ( a ) OFFENSES.

( 1 ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

In the results of your first investigation and subsequent reinvestigation, you wrote that you verified from XXXX that these items are being reported correctly?

Who verified or certified this filing? You are willfully storing 3rd party information ( XXXX  ) within my consumer file thats non-certifiable, nor verifiable by LexisNexis ; nor have I granted you written authorization to do so!

The law is the Law! Ignorance of it is no excuse! The CFPB drafted these same laws for a reason, they need to be strictly enforced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: NV

Complaint narrative:
XXXX credit card belonged to my X husband and they are holding me accountable. They are lowering my credit score by posting delinquency. I never signed for this card or had a card or used it. This was his debt and he passed away. Please remove or correct this from my credit report. I called and they will not remove my name. Account # 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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2023-03-11 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: NV

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wachovia bank incorrect charges

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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Credit Collectors " Hunter Warfield '' ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) originally charged us {$2400.00} on XX/XX/XXXX and now on XX/XX/XXXX the account has been raised to {$3700.00} ( Account # XXXX ) I have not received any communication from Hunter Warfield regarding these increases.

Original Company that issued this report was " XXXX XXXX '' which is a Rental Company. 
We moved out of the apartments because XXXX XXXX refused to check for Mold when one of their disgruntle mechanics " intentionally '' created flooding in our apartment. ( this statement has been verified by XXXX XXXX ) Water was all over the apartment about 2 '' Deep. we asked XXXX XXXX to check for Mold in walls and they told us they did. We asked for report from Company that this was done and XXXX XXXX  never sent that over. ( because they never had any licensed company come over to test for mold ). 
At that point we moved out and XXXX XXXX sent us a invoice and we refused to pay because they could not produce paperwork that said the apartment was free from Mold.

# 1 I need to know why they are charging me.

# 2 I need to know why they are increasing the original Amount every month? Hunter Warfield never sent me any paperwork indicating that there is an interest charge or a reason for upcharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED
State: OH

Complaint narrative:
In XXXX of 2022, I started the application process for XXXXXXXX XXXX XXXX XXXX It is funded through COVID relief funds and applied from the Ohio Housing Finance Agency. I made a payment of my own on XX/XX/2022 and I have the statement from my bank showing it cleared my account. I also have documentation from XXXX XXXX XXXXXXXX where they have sent payments to my mortgage company. However, when I sign into my mortgage service website, it shows no payments for XXXX, XXXX or XXXX. It did finally show two in XXXX. However, due to the mortgage servicer and or the mortgage company failing to properly apply the payments received, my mortgage now shows late, and they have placed several derogatory marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received an email from Bank of America asking if I sent {$3500.00} to a person I have never heard of. I responded No. I received additional text from who I thought was Bank of America stating to correct the problem, i needed to transfer {$3500.00} to myself and the money would be stopped from going to person ( XXXX XXXX  ) and would be transfered back into my account. I should have known better, but i had other problems at the time. I did not have a XXXX account and had not heard of XXXX before this date. I was instructed to open the XXXX account with point by point instructions. I sent {$3500.00} to XXXX XXXX on that evening of XX/XX/2022. I received all information from a phone number that appeared on my phone XXXX XXXX, Which I recognized as Bank of America number, After the transaction I called Bank of America on that number and was told that they did not call me for that transation. The operator opened a fraud claim and said I would receive communication about the claim in 10 days. Two weeks later, I received a letter that they were investigating. One month later My claim was denied. the Bank suggester I contact the receiver for a refund, To conclude, 7 on your side in California got BoA to refund the money. Why not me, This has happened to others and I was to believe Resolution E portects coustomers l like me. I tried to accept this loss but I can not. I need to receive help to get my money back. 
Thanking you in advance, 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 2023-03-11 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:
I have submitted documentation to XXXX several times regarding the fraud account with XXXX and they keep putting it on my credit report. They said that they can continue to report the false information due to XXXX continuing to report it to them although I have already proven with Transunion the the account is due to fraud. 

XXXX collection account # XXXX I am a victim of fraud. I never attempted to live in Arizona, attached are my lease agreements to prove that I have always had an active lease in good standing in Florida, the same criminal also opened a XXXX XXXX  account in XXXX. Transunion continues to report information that is hindering my ability to find a home for my family although they are aware that this is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dispute several attempts to get incorrect information removed and breach of data protection nothing was accomplished

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Completed a balance transfer and have been making payments well above the minimum due and was told when I called that the 0 % balance would be paid on first after the minimum monthly payment due. I have to pay it off within 15 months. Reviewed the statement and see the amount only went down a few dollars instead of what Id been thinking should be almost all paid off. I contacted the credit card company, Citibank and they said thats not the way it works, that the highest interests rate gets paid first and you have to pay it off entirely before they apply anything to the 0 % interests. To me, that is a never ending battle, predatory to some extent and they should clearly explain that when you review the terms. This was my second attempt to resolve and they should have clearly stated that when I called in six months ago. It would have changed my use of the card ( which, I rely on to pay my bills and make purchases on throughput the month ). Had that been explained- I would not be using the card until all bills were completed and the balance transfer could have been paid completely. Now I feel like the extra has been for nothing and Im back to square one, which, is harmful for the general consumer and perpetuates credit card debt because it appears to be a way to help avoid interests, but instead, is a gimmick.

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 2023-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have NEVER signed any wet ink contract with this alleged 3rd party. 
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 

Has 4 Alleged Assignments of Notes filed in County Records. The first assignment of note XX/XX/XXXX was filed by XXXX  XXXX XXXX employees as XXXX  for XXXX XXXX for {$1.00} XXXX  dollar in a secondary mortgage market by XXXX  mortgage " brokers '' in Virginia, and not recorded until 8 months later in XXXX with an additional unrecorded note stuck in my file with the wrong index # at county records. Plus, 3 additional later assignments of note by XXXX XXXX XXXX employees that I was never notified of by the original XXXX XXXX from XXXX that has not satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian permission to furnish these accounts. Accounts : 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 2023-03-11 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: NV

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CT

Complaint narrative:
I received a letter from Dynamic Recovery Solutions regarding a debt owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. The letter stated that they have tried to contact me via letter before, which is untrue. I have never been to this place. I looked them up online and the business was a rental car agency. Several other people have left reviews about being scammed or having a false debt sent to collections by this company. I tried to reach the company using the number listed in the letter. There was no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I never received 1099 for charge off accounts with Wells Fargo or XXXX  in 2018. 
From my understanding this is fraud. 
I would like for these to come of credit

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 2023-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Case # XXXX On XX/XX/XXXX my Coinbase " XXXX '' wallet was " dusted. '' ( aka " Dusting Attack '' ) There was a unfamiliar cryptocurrency inside the " newly '' added application called the " dapp Wallet '' ( functionality added to supposedly give access to web XXXX crypto websites. ) After reporting and opening a case, coinbase has not only ignored my case for over 3 months, they've also refused to give access back to my " Trading Account. '' The terminology they've used is as follows : " Why the wait? We understand it may be frustrating to wait, but this is the fastest way to get back into your account. Contacting out customer support team could delay your account review by several weeks. '' The review of my account was supposed to end XXXX XXXX, XXXX. XXXX date is XX/XX/XXXX. I believe that coinbase is systematically involved in shutting out customers whom have large amounts of funds on their platforms. Using the funds to manipulate cryptocurrency prices, and then either " allowing '' certain customers access back, or " retaining '' the funds of others for extended periods of times. Not only to boost their stock prices but also to " boost '' the prices of cryptocurrency they offer. This is Fraud. This constitutes " Ponzi Scheme, '' even under the most basic interpretation of United States Tax Law Code. My losses to this company are the most I've experienced. Ever. Being locked out of over XXXX $ of my own personal funds, for months, constitutes theft and scam in my book. No explanation for their email support, and zero reply to my case 3 months after the promise of my account being restored. This also, as a note, happened almost 2 weeks after the XXXX collapse and theft of Billions of customer funds. It seems coinbase has taken a " slow burn, '' approach to the appropriation of customer funds instead of a " total collapse, '' as XXXX had. Its apparent to me, that coinbase is either mismanaging customer funds, as I'm apart of the group they've stolen from, if not directly, in part. However, even in part, this is against the law. My case is either being delayed on purpose, or in order to give the entity known as " Coinbase Inc. '' time to re-organize their holdings in order to better meet a legal case already being brought forth against them, or future such cases that will be, based on their already " suspicious, '' activity. That of which I've directly observed. My such case is on of XXXX other such cases ( that I know of ) that are quickly turning into legal action against " Coinbase XXXX '' XXXX Customer Support, XXXX Response from anyone representing coinbase. XXXX accountability by " The Worlds Number XXXX Cryptocurrency Trading Platform. '' I believe this to be fraud, theft/scam, and a Ponzi Scheme, if not on the world stage as I claim here, in part for my case. Which, is still illegal in any case. Whole, or part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unifin Inc.
State: NY

Complaint narrative:
Re : Unifin/XXXX XXXX I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law.

1. Their letter, attached, has a default date of XX/XX/XXXX. 
2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 
3. I think the original debt was a payday loan.

4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court.

5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB. 

DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dispute several attempts to get incorrect information removed and breach of data protection nothing was accomplished

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dispute several attempts to get incorrect information removed and breach of data protection nothing was accomplished

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