vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 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: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiry Included in Dispute : XXXX XX/XX/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 2023-03-25 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiry Included in Dispute : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Just look at my credit reports. Transunion., and XXXX both don't know my actual legal name and I think they have not done a very throughly investigation or they could spell my name right by now after all these so called verification of debts and you can't even get my name right. This pathetic and I think yall have me confused with another person. Iv turned in my social security card and drivers license may times now and still get my name wrong. Now I want my XXXX dollars a violation now for blatenly reporting Ina curate information matron yet again. Now.llok real close to name that is clearly printed with a XXXX at the end now does.its. that proves your verified information is incorrect I want these accounts deleted now all of them now I won't take jo for a answers cause the fair credit reporting act says its illegal to post in laccurate information cause its your civil duty to repirt 100 perslcent accurate data. Or 8t has to be deleted. Want cha done say that .consumer report violation!!!!

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 2023-03-25 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-25 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: NY

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

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 2023-03-25 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

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 2023-03-25 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: NY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Said they notified us about changing our address but as you will see from the attachments they sent the letters to an address that we had more than 15 years ago, I have had nothing to do with XXXX but because of their incompetence, this may cause some tax complications. For the past 15 years Hawaii has been our address and all correspondence has been going to our Hawaii Address. When the letters were sent to our former address they would have been returned to their office, Why did they not contact us at our Hawaii address? My name has been on the checks and the checking account was an active account with sufficient funds for more than 15 years. We have been good clients.

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 2023-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Lead Bank or self bank issued cds of which I had paid of approximately XXXX of these cds with this bank in the past but after paying off this cd they said they required Identification to verify that it was really me government requirement, so I complied I sent the ID and the ss card but the problem came with my bank accounts every time I downloaded these accounts they would not accept the formate I loaded them on so I had my administrative assistant do it on several formates then I called the bank and had them try and assist me which was never successful so then they gave me a email address to send it to, I thought this was successful this was what we were told at- the time. I had sucessfullly completed and payed these cds off in the past and feel like this is excessive they do not require this ID to take funds out of my account, THANK YOU FOR ASSISTING ME IN THIS MATTER, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BHFC Financial Services INC
State: AZ

Complaint narrative:
Took out car Loan first loan in XXXX for XXXX for a use XXXX XXXXXXXX XXXX Paid XXXX deposit and monthly was XXXX. Paying for 4 years had made payments every month since then. I am aware of late payments but not the amount shown on credit report.I file dispute and here I am looking for help in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TX

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.

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 2023-03-25 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: TX

Complaint narrative:
This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.

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 2023-03-25 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: TX

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.

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 2023-03-25 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: TX

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TX

Complaint narrative:
This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} and XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow Complaint I am submitting to request to you once again that you investigate the erroneous accounts I found you are reporting on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported erroneously. Specifically, the following accounts are showing discrepancies : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00}. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.

Company response to consumer: Closed with explanation