vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate information is being reported on my credit report. inaccurate addresses, and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.

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 2020-05-24 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on

XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am reque
sting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: FL

Complaint narrative:
XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: SC

Complaint narrative:
Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.

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 2020-05-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.

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 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2020-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed complaint number XXXX XXXX with the CFPB regarding a collection account on my credit file. Per the response from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, it is claimed that this account was originally opened with Cash Net on XX/XX/XXXX but placed with their office by XXXX XXXX XXXX XXXX. Hence, and first, I am hereby requesting a contractual agreement SIGNED by me on XX/XX/XXXX for any alleged loan from Cash Net. 
Secondly, I am requesting documentation indication how the funds were provided to me. 
Lastly, I want to be very clear that the claim by XXXX is fraudulent and it is outrage that I have to deal with such fraud and my credit score has to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
A debt verification letter was mailed to Amerifinacial solutions. In turn they mailed a bill which contained a diagnosis code of my visit. I did not authorize amerisolutions to obtain my health information and thus is said to be a HIPPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have been going thru a refinance with Freedom Mortgage for over a month and a half now. They have made multiple errors, that have delayed the closing. First error was not contacting me for documentation needed for loan. Second they withdrew a mortgage payment on XX/XX/XXXX that was canceled days ahead of time, so we could close on XX/XX/XXXX. They did not contact me that payment was pulled from our account, nor did they inform us the closing was cancelled. We set a closing date for XX/XX/XXXX. They cancelled that without informing of a situation that they claim to be " miscommunication ''. Then I spoke with a Mrs XXXX. She told me that we are set up for closing on XX/XX/XXXX and that she will call and send me closing docs on XX/XX/XXXX. She has also given me her direct line in which to call at XXXX on XX/XX/XXXX in order to review those docs in the case she didnt contact me. I gave her 2 calls on the XXXX of XXXX to which she never responded. Today is XX/XX/XXXX less 3 business days before closing and I have yet to recieve a phone call or email from anyone at Freedom Mortgage or any affiliates at this company.

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 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX I received a letter from the Wells Fargo mediation program administrator in regards to possible fraudulent accounts that were open in my name that I did not authorize or want. In the letter, they informed me to contact the mediation department if I had any concerns about this issue. Thereafter, I contacted the Wells Fargo Mediation Program and they explain to me the process on how to file a claim and informed me to complete the mediation request form and mail or fax it to the address provided on the form. After  do so, on XX/XX/XXXX I received a letter informing me from the mediation program that they received my request. On XX/XX/XXXX I received a letter informing me about the Mediation process and " what I need to know ''. The letter states " You are not waiving any legal claims by participating in this voluntary process, and there is no cost to you. Within 30 days, you were either be contacted directly by Wells Fargo or contacted by the mediation provider to schedule a telephone mediation session. We have enclosed a copy of material related to your claim that has also been provided to the mediator. The mediation service may also mail you copies of these documents, along with a letter that confirms they received your claim. I was sent an additional mediation form to fill out with my personal information and I sent it again requesting {$100000.00} in relief sought. I signed and dated the form on XX/XX/XXXX. On XX/XX/XXXX the mediation sent me a letter in regards to an Amended Proposal. The letter states that they reviewed the details from my mediation session with XXXX XXXX XXXX and because there was no agreement reached during the mediation session, the mediator created a Mediation Proposal asking that if I agree with the terms listed on the amended mediation proposal to sign it and return it to them. After reviewing the mediation proposal I agreed to signed it to be compensated for my claim. I only signed the mediation form under the condition that I still retain the right to file a complaint with Consumer Financial Protection Bureau to pursue all other applicable contractual and non contractual remedies. On XX/XX/XXXX I received another letter in regards to my claim settlement. Wells Fargo compensated with Identity Theft Protection as well as {$3000.00}. Im filing this complaint with the Consumer Finance Bureau because I would like to take further action with my complaint with Wells Fargo. I would like to pursue all other applicable contractual and non contractual remedies.

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 2020-05-24 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: NJ

Complaint narrative:
I submitted a dispute to Equifax regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Equifax to verify this information and show me how they had verified this information. 

Bankruptcy Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Liabilities : Individual/Joint : Individual Individual/Business : Individual Bankruptcy Disposition : K-DISMSD/CLSD CHXXXX Current Disposition Date : XX/XX/XXXX XXXX Amount : Equifax responded on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, XXXX. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties such as XXXX XXXX. Furthermore XXXX replied to be via mail on XX/XX/XXXX that they do not have any information related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I didnt received my prepaid card that had arrived with a letter saying ( this prepaid card ) the letter had the information of the card but it wasnt included. I would like for yall to help me Change my address since I moved from that house where my information arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.

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 2020-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.

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