vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED AND STOLE MY IDENTITY THEY USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I HAVE ATTEMPTED TO REACH OUT SEVERAL TIMES TO THIS COMPANY AND I AM OVER IT! THIS ACCOUNT WAS OPENED UP FRAUDULENTLY!!! THIS IS NOT MY ACOUNT! FOR YEARS THIS ACCOUNT HAS EFFECTED ME AND MY FAMILIES LIFES! I HAVE BEGGED FOR YOU GUYS TO TAKE IT OFF. THIS IS NOT MY FAULT! THIS IS YOUR COMPANIES FAULT AND THE WAYS YOU USE TO VERIFY PEOPLE! I HAVE FILED IDENTITY THEFT REPORTS! I DONT KNOW WHAT ELSE TO DO! TAKE OFF THIS ACCOUNT!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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:
THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: GA

Complaint narrative:
I disputed a bankruptcy that Lexis Nexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2020, I received a letter from Lexis Nexis stating the Lexis Nexis investigated and verified that the information was accurate and true. The letter from Lexis Nexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2020, I enacted that right and requested Lexis Nexis provide me their investigative procedure ( Method of Verification ). I sent the letter certified mail to ensure deliverability. On XX/XX/2020, at XXXX XXXX the letter was delivered and the 15-day window for your establishment to respond with the Method of Verification began. As of XX/XX/2020, the 15 day grace period given to respond to my request expired without a response to my request. On XX/XX/2020, I received a letter from Lexis Nexis that was dated XX/XX/2020, again stating verified but still not providing me with the information requested, which was their Method Of Verification. On XX/XX/2020, I contacted Lexis Nexis via telephone at XXXX ; XXXX XXXX and informed the service rep of everything stated in this message and asked if they could provide me with the information, the service placed me on hold and I stayed on hold until the phone hung up at XXXX XXXX. Lexis Nexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like Lexis Nexis to delete the unverified item from my consumer report and remove and refrain from continually reporting the unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
Equifax has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX AMT : {$7200.00} XXXX XXXX XXXX XXXX XXXX AMT : {$5500.00} XXXX XXXX XXXX XXXX  : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX XXXX : XXXX AMT : {$2400.00} XXXX XXXX XXXX  : XXXX AMT : {$4900.00} XXXX XXXX XXXX  : XXXX AMT : {$100.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$5500.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$670.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. New York, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
We sold our home on XX/XX/XXXX and had a mortgage with XXXX XXXX We were currently on the XXXX XXXX Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that XXXX has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified XXXX and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.

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 2020-11-19 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, AQUA FINANCE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian XXXX On XX/XX/2020, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report perXX/XX/XXXX andXX/XX/XXXX 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, XX/XX/XXXXXXXX add a hard inquiry on my credit report per 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 explanation
Consumer complaint received 2020-11-19 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per 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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My Ex Wife XXXX XXXX is in collections with Nationwide Credit Inc phone number XXXX has been calling me repeatedly at my home line and my work cell phone number looking for her. I have politely told them I have had no contact with XXXX who is my ex-wife of over 16 years. They keep contacting me on how to contact her over her debt which was incurred long after we were divorced and has nothing to do with me. I have also given them every point of contact I could think of so they would not keep calling me however they keep calling me regarding her. Once again this DEBT is not mine and has nothing to do with me.

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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I DO NOT OWE ANY MONEY, DELETE IMMEDIATLY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report per 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 explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ZIONS BANCORPORATION
State: NY

Complaint narrative:
I sent {$5000.00} to get double the money back to me. Here is the promise that explained to me. 

It's XXXX XXXX, they work under banking and we have a Company accounts Im also a online advertising marketers so I also get my salary, they trade XXXX and they need more than {$30000.00} daily. So they giving out basically free money and using it as a tax write off before tax seasons to be eligible for certain tax breaks as a XXXX  XXXX company. They dont really lose because they get most of the money back during tax time by writing it off as charity expense They doing this to help people, and have those same people help promote the brand while getting paid to do it.. 
Then I was given this number to send money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But not only I havent received any money but I also asked them to return my money back and they promised to do so but his bank Nevada state bank refused to return the money to me and my bank XXXX couldnt help me to aske the bank to release the money to return to me.

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 2020-11-19 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: PA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After entering all my correct identifying information ( DOB, SS #, address, Experian PIN, etc. ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.

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 2020-11-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX is still not updating with agency ( XXXX ) also Ive proved it was fraud and they did an investigation in which it was removed from XXXX, XXXX XXXX, but not with XXXX Also reporting derogatory on my report, as are all the others and this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Aargon Agency, Inc.
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
The mortgage company 's policy is, if the account was current and you request forbearance, the mortgage company will not report you to the credit agencies, my account was current and they reported me to the credit bureau.

Company response to consumer: Closed with explanation