vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX contact the credit bureau about my name and address on my credit report also I send them proof that the names and addresses they have listed on my credit report was not my, I have one name that I have used though out my life and would like this corrected.According to the fair credit laws anything on your credit report supports to be accurate and correct. Names thats not corrected XXXX XXXX XXXX and XXXX XXXX XXXX and addresses that not corrected is XXXX XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX also removal of all accounts attached to these names and addresses.

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX federal bankruptcy XXXX XXXX, thought this was included. Do have hardship on social security and due to my house being arsoned. Repairs are being done but wasn't sure if I had already gotten this taken care of like the others affected as well. 
Address is still XXXX XXXX XXXX XXXX Michigan since XX/XX/XXXX. All prior addresses are null and void. Current phone number is XXXX XXXX XXXX. All other numbers are null and void.

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 2023-01-18 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: FL

Complaint narrative:
I do not recognize nor have any knowledge of this Collection Bureau of {$180.00} on my credit report. I have not received any validation of a signature for this alleged debt. 

Also, it is reporting as an open account, an ( alleged ) collection can not be an open account, therefore is reporting inaccurate Also, as of XXXX XXXX any medical debt of {$500.00} or below it MUST be deleted off of credit report, this is NOT AN OPTION! 

this is added unnecessary stress to me and has decreased my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, Inquiry Date : XX/XX/21 XXXX XXXX, Inquiry Date : XX/XX/21 XXXX, Inquiry Date : XX/XX/21 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Equifax ) permission to furnish this information on my credit report. This is a violation of the

Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I also demand you. ( Equifax ) to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is a follow : XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
An online loan was approved with my SS # on XX/XX/18, all the information used was not mine. Info used ... ph # XXXX, email XXXX, state TN. The amount of the loan was {$420.00} a {$75.00} was added for a total {$500.00} now. 

XXXX XXXX XXXX # : XXXX, I made a request to have this discrepancy removed seeing that it was fraudulent, but I was directed to XXXX and told to file a report. 

I have no documents because this account in collection is not mine, I did not apply for the online loan. 

The current collection agency is... 

CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My AMEX Platinum Business card suddenly reduced my Pay Over Time Option from {$20000.00} to {$12000.00}. I already had a balance of {$20000.00}. Since my pay over time payment is based on 1 % of the balance- my payment should have been {$200.00}. Instead, they are asking me to pay {$2900.00} this month. I am asking that they please honor the agreed upon pay over time amount of {$20000.00} or lower the amount {$12000.00} and just keep the payments at 1 % of the balance- which was agreed to at the time of the purchases made. This is causing me extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
In response to the company response regarding complaint number XXXX, theyll receive notice via certified mail regarding the fraud in which theyve chosen to uphold at Advance America . Theres no such thing as XXXX XXXX XXXX XXXX which is necromancy, therefore they failed to state whether or not they are referring to a person or Natural Living Man. Theyve also refused to answer the question as to what language are they speaking in because they are aware that they are committing fraud by converting Men and Women into Corporate Legal Fictions. 

Theyve also refused to admit that its against the law to deny Man or Woman their own credit, therefore when employees of Advance America denies Man or Woman their credits, Advance America is stealing and extorting that Man or Woman of their life, liberty, enjoyment and pursuit of happiness to provide for themselves. Advance America conspires with other financial institutions such as consumer reporting agencies for financial gain which is a conflict of interest.

Advance America must answer the following questions : is Advance America the member of the XXXX XXXX XXXX Is Advance America ran, operated by Bar Members? Is Advance America the financial instrument which is in fact the instrument of the bar association via XXXX XXXX XXXX 

I look forward to receiving these responses post haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal- money taken on Both ends and they have not issued me my refund. Its been weeks XXXX XXXX XXXX : {$1500.00} Date : XX/XX/2023 Ive reached out to seller and called numerous of times. The money is out of sellers account and its just being held

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 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: TX

Complaint narrative:
I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes XXXX, XXXX and Transunion have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

XXXX. ) XXXX XXXX XXXX # XXXX ( NOT FOUND ) XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX ( NOT LICENSED IN TEXAS PDF ATTACHED ) XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ( NOT LICENSED IN TEXAS ) XXXX. ) XXXX XXXX  ACCT NUMBER XXXX ( NOT FOUND )

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 2023-01-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes XXXX, Equifax and XXXX have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

XXXX. ) XXXX XXXX ACCOUNT # XXXX ( NOT FOUND ) XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX ( NOT LICENSED IN TEXAS PDF ATTACHED ) XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ( NOT LICENSED IN TEXAS ) XXXX. ) XXXX XXXX  ACCT NUMBER XXXX ( NOT FOUND )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is incorrect information on my 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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it May Concern, I XXXX XXXX XXXX Has Not Been Able To Retrieve Not One Cent of My Money, Not Even with My debit Pre-Paid Card or Any Debit Card, and My Rewards Cards As Well, in XXXX, My Identity was Compromised misused caused by Identity -Theft XXXX XXXX Crimes, Dark Web, and as Well as. Company 's, Businesses, Groups, Teams, So Called Friends, Family 's, and Etc. 
I never Not Once Gave No Authorization for No One to Act On My Behalf, I do not Like doing Nothing Online, I like Doing All My Banking In Person Only! 
The Fact These Thieves Closed My WellsFargo Account in XXXX around XX/XX/XXXX As Well As My XXXX XXXX, date : XXXX XX/XX/XXXX ), That The IRS XXXX Provided Me To Get A XXXX XXXX Account, as of Today I'm Not Able To Withdrawal Not One Cent of My Money, also I know I'm Entitled To WellsFargo Wrong Doing, Where someone transfered My Money Out Of My Account, matter of Fact I work as A XXXX, Playing XXXX XXXXXXXX XXXX Games as Gig-Jobs the Fact I've been a XXXX for Literally 26 Yrs.

I Invested Every Single Dollar not ever Thinking That I Would Have For the Rest of My Life!

But Now I Don't and I'm In Need of Getting Some of My Money Back, the Fact I have To Live as Well as Anyone on this Earth, I have More Bank Accounts, as well As XXXX XXXX Account, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX also Just to make this Clear I'm Not From California, Never Have Been and Never Will Be from California, I was Born in The USA XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX And Current Bank Account Online, XXXX XXXX XXXX XXXX  Account, XXXX XXXX XXXX and A Whole Lot More! 
To Whom It May Concern as well as My XXXX Accounts, XXXX Accounts, XXXX XXXX Accounts, XXXX Wallet Accounts, XXXX XXXX Accounts, XXXX XXXX Accounts, XXXX Accounts, XXXX Account, XXXX Accounts, all My XXXX all XXXX XXXX XXXX, My Bank Accounts, Internationally Also I Live in XXXX XXXX XXXXXXXX And My Cellphone number is : XXXX XXXX Also I Know I Was A Consumer who hasn't Received Not One Cent From wells Fargo Online Banking and In-Person Thankyou!

Have A Great Evening!

God Bless.

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I

want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.

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 2023-01-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit
State: TN

Complaint narrative:
I went to Volkswagen of XXXX XXXXXXXX to purchase a vehicle and satisfy the entire price of the vehicle via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to Volkswagen of XXXX XXXX made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " credit application account # XXXX " with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the purchasing order and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the XXXX XXXX XXXX XXXX causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did VW Credit have the right to assume anymore a debt wherefore collection could be made. VW Credit Inc further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX vin # XXXX ) by way of their self described " reposession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to multiple " Credit Reporting Agencies '' for profit such as XXXX, XXXX, and XXXX see proof attached in the next document labeled attachments XXXX, and XXXX. Please see full attachment of the correspondence via the mail that I gave to VW Credit Inc labeled attachment # XXXX on the date XX/XX/XXXX CERTIFIED MAIL, RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX XXXX, and Attachment # XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian, XXXX and XXXX in XX/XX/XXXX to remove " incorrect '' Personal information on My credit reports. I was told the false information would be removed within forty eight hours, but As of today XXXX XXXX more incorrect info has been added to my consumer report. such as Fraudulent Hard Inquires, My Name, mailing Address, Phone number, Employer Name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: PA

Complaint narrative:
There is incorrect information on my 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 non-monetary relief
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/21 and XX/XX/21 the same person stole money from my Wells Fargo account and wrote a fraudulent check that was supposed to repay some of the stolen funds and the check was fraud too. I am guessing I am not supposed to provide the thiefs details but I gave them and record of all accounts and transactions and a police report associated and I have been trying to get my stolen money back from Wells Fargo for over a year now. The amount of money stolen is over {$7000.00} total with 2 transactions where the thief took my money.

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 2023-01-18 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:
This ACCOUNT XXXX XXXX has been deleted off of my Transunion. Credit report three or four times in the year of 2022 and it keeps reappearing over and over again! I have no knowledge of any debt with this company. I have asked on several occasions for validation, of competent evidence bearing my signature with this company account XXXX XXXX because I have no knowledge of this company or any alleged debt with this company and if not this needed to be deleted for good from all 3 credit reporting agencies. 

15 USC Code 6801-Protection of nonpublic personal information protects us as the consumer against financial institutions 15 US Code 1681b- permissible purpose of consumer report ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the circumstances and no other I HAVENT GIVEN ANY WRITTEN INSTRUCTION TO REPORT TO MY WRITTEN CONSUMER REPORT This is also HIPAA 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