vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NFCU needs to credit my account as I called XXXX to get this done but now I am tryin to ensure it gets done I need a credit {$50.00} for the past months since XXXX wich equals {$300.00}. 

I CLOSED the account with XXXX XXXX XXXX  in XXXX.I come to find out though I STOP and deleted my account info from their site. XXXX filed a complaint with merchant on XXXX. For whatever reason it was done So now I want to ensure the merchant REVOKED from accessing my account and I have request a letter of closure and never received and need this. This act is fraudulent as the merchant refused to dispute an item in which was valid. 

As I close the account they refuse to investigate and I chose to not d business with them which is valid based on these mentioned issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-08-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am extremely upset with XXXX XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation 2 and half months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.

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 2022-08-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I received a statement for a credit card that I never opened and never applied for. the amount of credit line is for {$8000.00}. the statement shoed 3 charges that were made in the XXXX XXXX according to the investigation officer at the XXXX police department. 
all my attempts to contact someone over the phone with the given number on the statement led to transferring me from one person to another. The address on the statement is for Wells Fargo, however when triny to verify information I was tols that that the alleged credit card is through " XXXX '' a card that I never applied for and never received! 
As of Friday, XXXX of XX/XX/2022 I finally got the hold of the fraud department at Wells Fargo and was told that they will wave all charges and block that account. 
I am waiting for a letter of confirmation from them. 
Sincerely, XXXX XXXX. 
Should you require any statement or hard copies please let me know since I have kept it all.

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 monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX Had my Bank Regions Bank wire XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX Had purchase contract. Shipment bill. Stated would recv truck in 3 days. After no response by Wednesday called Branch to get advise and made an appointment XX/XX/XXXX and filed fraud complaint and stop to get my money back. Rep from Bank was XXXX XXXX and he told someone will contact me in 48 hrs. No call back and call back and XXXX gives me a wire # to call and they tell me I have to have a pin # call back and speaks to manager XXXX XXXX who tells me no updated info and if they got my money back it would be in my account and he said you requested the wire. I told him abt the pin and he said he used his pin and see No updates. So by this time I am so upset with this Regions Bank. Early that week I report to all Federal reserve file a police report and with the FBI.. This is a lot of money to me. Call the bank and no would talk to me leaving messages. So finally Saturday morning on the XXXX of XXXX XXXX XXXX I finally get him and prior to this call I have been trying to call the bank that recvd the wire and I asked XXXX XXXX do you freeze the account and did you notify the other bank and he told me you are suppose to do that. I said I have but I dont use this bank and you also have to have a pin. So I am furious at this point why this bank has not taken proper procedure and top priority on a fraud complaint. I continue to call the other bank that recvd the wire and it was XXXX XXXX XXXX and they finally let me talk to someone in there fraud dept which was very nice. She explained to me that my bank contacts them to advise them there was a fraud wire and and freeze the account which they still can see were money goes.. This is Still the XXXX XX/XX/XXXX now we are 2 weeks in and decided to call another branch to see if I could get some more information on my wire or anything.. So I call XXXX XXXX finally speaks to Manager her name was XXXX and I explain my situation on fraud wire and she says you need to call the branch that did the branch that did the wire. I stated I cant get them to return my calls and I dont thing they know what their doing. I said if your not going to help me then I need the person to speak higher higher up. This is XXXX this is a lot off money to me. She finally said let me call to the wire dept and see what I can find out.. XXXX comes back to me and says they have never received anything and I said no I came into the branch on XX/XX/XXXX and filed my fraud claim to stop wire it was fraud scam and she said again it wasnt stopped! But I will send XXXX XXXX XXXX an email and give instructions what he needs to done and said 2 weeks have passed.. OMG. I did file a complaint to the bank and yet to receive knowledge that even happened..

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 2022-08-20 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:
On XX/XX/2022 I disputed by mail the fairness and accuracy of equifaxs reporting of several items on my consumer report. In Equifaxs response dates XX/XX/2022 they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or equifax to provide there method of verification for each item ; I requested that equifax provide the XXXX form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that equifax provide me with proof of my written consent to consumer reporting with equifax which would also require a SSA-89 form. Equifax never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. Equifax only opened another dispute for the items on XX/XX/2022 instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX ) that Equifax was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation Equifax is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since Equifax has been in receipt of the four requirements of this section of the FCRA and Equifax has not blocked and removed the items. Equifax has still not provided the SSA-89 form for proof of consent of Equifax reporting of my information nor the SSA-89 forms for proof of consent for each alleged creditor furnishing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX has placed an account in collections for {$360.00} that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
On XX/XX/2022 I disputed by mail the fairness and accuracy of experians reporting of several items on my consumer report. In experian response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or experian to provide there method of verification for each item ; I requested that experian provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that experian provide me with proof of my written consent to consumer reporting with experian which would also require a SSA-89 form. experian never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. experian only opened another dispute for the items instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that experian was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation experian is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since experian has been in receipt of the four requirements of this section of the FCRA and experian has not blocked and removed the items. experian has still not provided the SSA-89 form for proof of consent of experian reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.

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 2022-08-20 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a checking and savings account opened with my social security number, license number, and signature. I found the account paperwork while going through my parents stuff. They did not tell me about it. I do know that there was a rent being paid by my parents with the account every month. I think it might have something to do with medical mal practice settlement. I am not completely sure. Some time after, I went to the Wells Fargo to figure it out. There was person with whom I attended high school that worked there, I explained to him the whole situation, and he gave me a run arounds story, shined me off, and told me that the account had been closed. He lied. To this day, I think money from that account is being used. Either it was transferred to a new account through the same bank or transferred to a new bank. Recently, I noticed there was a monthly beneficiary payment being made to my name and social security number. This might have been that account. I also noticed on past tax returns that there are six digit number involved somewhere in the refund. I do not know if that is a mistake or if that has to do with the bank account. Most likely it is not a mistake because it shows the same for the following years. There is some financial assets being kept from me, and my beneficiary account might be in some body else 's name, and my account might have been discontinued. On the lawsuit paperwork there is a box checked that says, " civil lawsuit is unlimited, exceeds XXXX. If it is not the lawsuit, then it might be some type type of compensation, and it has been kept from me for some time now.

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 2022-08-20 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:
Please be advised that I have on multiple ( 4 separate occasions ) Dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; And XX/XX/XXXX sent formal, certified and notarized mailed dispute letters to Equifax XXXX XXXX XXXX, XXXX, GA XXXX and as of date I still find the same incorrect and inaccurate unverified negative accounts on my credit report. These are the negative items I still find on my personal credit file with Equifax : Name of Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX. This account listing is incorrect and also unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
On XX/XX/2022 I disputed by mail the fairness and accuracy of tranunions reporting of several items on my consumer report. In tranunion response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or tranunion to provide there method of verification for each item ; I requested that tranunion provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and XXXX XXXX that tranunion provide me with proof of my written consent to consumer reporting with tranunion which would also require a SSA-89 form. XXXX never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that tranunion was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation tranunion is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since tranunion has been in receipt of the four requirements of this section of the FCRA and tranunion has not blocked and removed the items. tranunion has still not provided the SSA-89 form for proof of consent of tranunion reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.

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