vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: FL

Complaint narrative:
I have tried to use the web page of experian and it does not work to submit a fraud alert then I have tried to call them and you can not get a person on the phone, at all. Just a computer. They need to be held accountable.

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 2020-08-31 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: OH

Complaint narrative:
This is the second dispute attempt to have these miscellaneous accounts removed from my credit report. These accounts were never verified according to the FCRA guidelines 623 & 611. I intend to pursue litigation in accordance with the FCRA, to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 ; if the UNVERIFIED items listed below are not deleted immediately. Please remove the following accounts : USBK COURT XXXX OHIO Docket # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX These accounts are not accurate.

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 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I utilized my XXXX XXXX - Zelle service on my XXXX XXXX mobile app to pay an XXXX vendor {$670.00} for invitations and save-the-date cards. The merchant, XXXX XXXX XXXX, sent me an invoice outside of XXXX directly to my email and requested payment through Zelle not XXXX to process my order. The message response I received through XXXX was to directly contact XXXX from XXXX XXXX at either XXXX - XXXX or XXXX  via XXXX for a faster reply since she was not always on her computer. After various message exchanges on XXXX on options I place an order with XXXX XXXX XXXX. On XX/XX/2020 I signed the emailed invoice by clicking the " sign the document '' button, which went through XXXX and sent payment via Zelle to XXXX XXXX XXXX. XXXX XXXX XXXX indicated I would receive proofs for the cards once I sent the wording via email, which was sent on XX/XX/2020. As of today, XX/XX/2020, XXXX XXXX XXXX will not answer any texts, calls, XXXX messages or emails. XXXX XXXX XXXX has since deleted their XXXX account, on which we exchanged many messages regarding my order. Unfortunately, I did not screen shot our conversation before the profile was deleted. I have contacted XXXX and they can only do an investigation. XXXX also asked me to report the vendor on their website and but they could not help me get a refund since I did not order the items through their website. I next contacted XXXX XXXX and they indicated they could not help because Zelle is an independent operator on their mobile app and could not get my funds returned. I contacted Zelle via their website and I can only file a scam report. The report was filed and the response send stated that " information would be shared with their partner financial institutions to investigate and take further action. '' Also, the email stated that the results or actions would not be provided and to check out the link " Pay It Safe. '' The link directs you to their website that warns to only send money to family or friends and not people you don't know, like that stranger selling suspiciously cheap concert ticket on the internet. The merchant I sent money to was on a legitimate website, XXXX, as a vendor. It is my understanding that XXXX has policies and procedures in place for vendors on their website to avoid fraud and scams. I have purchased items on XXXX many times and have not had an issue. My concern is that ZELLE does not protect it's users from scams and will not help recover funds when a service or merchandise is not fulfilled. I went back to the XXXX website to visit the vendor page again and there are two 1-star reviews posted during XXXX of this year from customers indicating their orders have not been fulfilled by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information/inquires therefore needs to be re-investigated. 

1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX   5. XXXX XXXX 6. XXXX 7. XXXX XXXX ( 2x ) 8.  XXXX 9. XXXX 10. XXXX XXXX XXXX they shouldve only ran my credit report 2x they are showing up on my credit report 4x. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my ACTUAL signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I am prepared to take legal action against Transunion if these items are not removed immediately. I will not wait another month!

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 2020-08-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is Experian credit Inc. On or around XXXX XXXX I called Experian to find out why my credit score decrease -21 points. I talked with Experian and was told they did not know why my score drop -21 points. In reviewing my Experian account there was on explanations to be found. Experian told that a dispute manager would call me and tell me what happen but was later no was going to call. I told Experian that I just paid off my student loans and my scores should have increase to an higher score. They told me there computer system give out the score and they do not have anything to do with the scoring of consumer credit score. Plus paying off student loans can negatively impact my score. Since they do not have anyone to review my credit report for any errors. I'm requesting for help from your agency to review my credit report. ( 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 2020-08-31 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}

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 2020-08-31 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}

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 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Earlier this year I applied for a forbearance on my mortgage loan due to increased expenses during COVID-19. 

Prior to going into this forbearance, I was told that there would be no negative repercussions for doing so. 

What I was not told is that I would apparently need to make 3 consecutive payments in order to get a new mortgage loan. This was not stated in any of the documentation I received during the forbearance period ( see attached ), nor was it stated to me when I came out of the forbearance with the need to apply for a new mortgage loan. 

I am being told that because I have not made 3 consecutive payments on my mortgage I can not get a new loan. Additionally, when I called to Wells Fargo to take my loan out of forbearance, I was not informed that had I chosen to make a lump sum payment for the amount of missed payments that I would be able to apply for a new loan with no issues. 

So, both the documentation I received from Wells Fargo, as well as the conversations I had with staff through the end of the forbearance, did not accurately tell me what I need to do in order to apply for a new loan. Prior to this, my wife and I have not missed a payment on anything ( and still have not, as this was an approved forbearance ), have >800 FICO scores, and make enough money to qualify for the amount of the mortgage we are trying to get. I feel like Wells Fargo has been deceptive in their handling of our case.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I applied for insurance with XXXX on XXXX XX/XX/2020. XXXX declined stating Trans union reported to XXXX The number of bank installment accounts is 3. I called Trans Union and they could not identify 3 open bank installment cards for myself. As a result my home insurance increased $ XXXX and I received no bundle discount for home and auto. I have two credit cards one for me and one for my wife. I pay my 2 credit cards fully every month.

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 2020-08-31 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 was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, XXXX # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. JEFFERSON CAPITAL SYSTEMS , LLC  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$830.00}. JEFFERSON CAPITAL SYSTEMS , LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, Experian and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611

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 2020-08-31 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:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}

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 2020-08-31 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:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}

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 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CA

Complaint narrative:
* Penn Credit ( XXXX, PA ) is attempting to collect a debt for State of California Storm Water Resources Board for {$1600.00}. 

* No money is owed because our facility was no longer required to file with the State of CA for an annual permit for storm water compliance. 

* A Notice of Termination '' was filed and mailed to the State of CA in XXXX, CA on XX/XX/XXXX. 

* XXXX XXXX ( of the State of CA Storm Water ) confirmed via email on XX/XX/XXXX the receipt of " Notice of Termination ''. His contact information is XXXX. And his telephone number is XXXX XXXX XXXX XXXX. 

* Penn Credit began collection attempts in XXXX XXXX XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* Penn Credit contacted us via mail regarding the debt with a letter dated XX/XX/XXXX. 

* XX/XX/XXXX : I contacted Penn Credit via telephone, fax and email with the same information previously provided to Penn Credit on XX/XX/XXXX and XX/XX/XXXX. 

* Penn Credit is creative in changing their " Penn Credit ID reference number '' to create a new debt cycle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$89.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$690.00} XXXX XXXX {$980.00} XXXX   XXXX {$1400.00}

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