vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I went to get a credit report from XXXX to apply to an apartment on XX/XX/XXXX. I saw that my credit score was over XXXX points lower than the last time I checked because I supposedly opened an account with XXXX MOBILITY on XX/XX/XXXX and owed {$1600.00} which was sent to Sequium Asset Solutions for collection. The problem is that I never opened an AT & T account at all. I called Sequium and they said they couldn't pull up my account based on the account number I could see on XXXX - XXXX - or my name. They said I had to give them my social security number. This seemed very suspicious to me and I refused. I asked to speak with a supervisor and they said I could not. They said I could give them the last four digits of my social which I did. They found my account. I confirmed that I did not open the account or give permission to anyone at any time to open any accounts in my name. They asked me if an email address was mine that used a variation of my name and it was not mine, which tells me this was a case of identity theft. They asked if I recognized an address which I did. They asked how long I lived there and what my current address was. They gave me a link to report fraud with XXXX XXXX XXXX. When I went to the link it also asked for my social security number and wouldn't let me submit my report without it. I did not trust this. I sent Sequium a certified letter telling them to remove this debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
None of the options listed were relative to my situation so please only consider my written complaint. Due to Covid economy, we were having financial hardships. The financial hardship prompted me to go over all of our contracts. While going over our vehicle loan contract we noticed that the contract was NOT valid. It had never been signed by the dealership. It states right on the contract that if the contract is not signed by a dealership representative, the contract IS NOT VALID. I wrote WELLS FARGO on XX/XX/2021 ( registered mail ) and requested that they provide proof of the contract 's validity. I also sent them a copy of the original contract showing the error. My request was for them to release the title to me OR reimburse all monies paid under the contract plus a percentage of the finance charge. WELLS FARGO received my complaint on XX/XX/2021 at XXXX. WELLS FARGO replied back with a letter and stated that they had carefully reviewed my complaint and found that the contract was indeed valid. WELLS FARGO attached a contract to the letter for the same vehicle except that not one of the signatures were my own. Every single signature on WELLS FARGO 's copy was noticeably fraudulent when compared with the original. I did not then nor have I ever given any person or entity permission to sign my name on any legally binding instrument. I then wrote them again XX/XX/2021. I expressed my frustration and sent them a bill of my own which included the release of the vehicles title to me plus monetary compensation, among other things for attempting to coerce me into continuing to pay under a fraudulent contract. I requested that WELLS FARGO reply within 10 days since that would be well over 30 days with no resolve to this issue. It has now been XXXX full business days, and WELLS FARGO has failed to act in honor and I still have no resolve. Today I am submitting this CFPB complaint for the XXXX time and plan to file with all other relevant regulatory agencies within this week due to WELLS FARGO 's negligence in hopes to prompt resolve and avoid legal action.

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 2022-01-13 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 feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
I recently disputed all three of my bankruptcies. I still have one that experian is reporting valid and accurate. However, they are not providing the vendor/method of verification that theyre using. First ( Experian ) advised it was XXXX XXXX that verified the accuracy of my bankruptcies. I contacted XXXX XXXX they corrected and removed the bankruptcies. I contacted Experian and advised of the change. Experian still didnt remove it. They then said it was the court house. I contacted the court house they advise they do not speak nor send anything to third parties. I would like for Experian to provide the name of the vendor thats currently providing the inaccurate 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 2022-01-13 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: PA

Complaint narrative:
My name is XXXX XXXX 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 asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2022-01-13 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: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I've had a credit card with HSBC for a few years with a {$6000.00} credit line with no payment incident or anything. I hadn't used it for a while and there was no balance due. When I tried to use the card recently, it was declined. Yet, when I went online, my account appeared OK. When I contacted HSBC by chat, I was told that they had closed my account for no activity. They said that they had sent me notices to that effect but it can not be true since I did not receive any and yet I keep receiving their Credit Card Newsletter and in addition there is no mention whatsoever of my account being closed on their online banking. I asked them to please reinstate my account and they refused. Then I looked closer and saw that, although my account wasn't closed ( and is still not closed as of today XX/XX/XXXX as you can see on the screenshot attached ), my credit line was reduced to {$0.00}. Upon checking XXXX, I discovered that HSBC had declared my account closed as of XX/XX/XXXX, hurting my credit score for no valid reason. I placed a complaint with XXXX for false information but haven't heard yet. This behavior from HSBC doesn't seem correct, perhaps not legal. I hope you can intervene to stop HSBC in their dubious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a pair of shoes from XXXX, the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The item I received on XX/XX/XXXX was immediately painful to wear ( beyond a simple size mismatch ). In fact, the item was so painful to wear that I went to an official local XXXX XXXX XXXXe on XX/XX/XXXX, and the staff confirmed that the shoe I received was not a genuine version of this shoe model. For this reason, I requested a return through XXXX on XX/XX/XXXX, however the original XXXX seller didn't respond ( or communicate with me ) in any way. It was not until I had to manually reach out to XXXX on XX/XX/XXXX to step in, that I received any sort of response. However, while I was vaguely guided to return the shoes, neither XXXX nor the original seller provided me with any return shipping label to do so. After calling the company 3 times over the course of the next few weeks, and each time being promised a return label would be sent to me, I ultimately decided that if XXXX wouldn't allow me to return these non-genuine shoes for a refund I would have to request a chargeback through American Express ( card ending in XXXX ). The process of initiating a chargeback with American Express went smoothly, and the customer service agent I explained the situation to ensured that this matter would be swiftly resolved in my favor ( as the merchant had sold me a product that wasn't as described ). It wasn't until XX/XX/XXXX, that American Express reached out to inform me that they have sided with the merchant ( XXXX ) and rebilled my account. This is ridiculousas it appears American Express has not properly read my original complaint and seemed to have accepted a generic response from the merchant as a reason to reverse the chargeback. As a longtime American Express customer, I frankly expected better. I would like for this decision to be reversed, and for a permanent credit to be issued for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: GA

Complaint narrative:
Professional Debt reached out to me and informed me that they submitted in deletion of requests to all the bureaus. I reached out to Equifax and saw that the account is still on my credit report. I have attached the Professional Debt letter that was attached stating the account needs to be removed. Please delete and remove this account! I also requested for the XXXX XXXX inquiry to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I authorized XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX run my credit one time for an auto loan. They ran it three times. To date they have not removed the unauthorized inquires.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion XXXX XXXX is reporting unauthorized information on my credit profile. 
Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX XXXX XXXX XXXX, It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any XXXX authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( Equifax ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : Late Payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dispute letters were sent in XXXX 2021, and I have yet to receive any letters regarding dispute results or updates.

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 2022-01-13 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: VA

Complaint narrative:
Im filing this complaint due to Equifaxs failure to comply with my re-investigation request, as required by law. They did not provide me with any of the investigation documents consumer laws affords me to receive. They also received a copy of my XXXX report which accurately reports these items and still have chosen to ignore the laws and report inaccurate information. All of the attached accounts are inaccurate, misleading and false reporting. It has been almost 90 days and I still have no resolution to this issue. At this point, I am demanding Equifax to cease & desist from reporting these accounts. I demand these items to be immediately removed from my report.

Company response to consumer: Closed with explanation