vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: DE

Complaint narrative:
Dear EXPERIAN, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE, XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
I am being charged {$1400.00} by a debt collector called Coast To Coast Financial solutions because of a debt history i have with a garbage utility. They told me that its been under my NAME since 2021. This is NOT true. I have proof its under a different name and it was recently changed without my authority. 

I do not live in the household and my name was used. I told the XXXX company to reverse the name because I am not responsible for this bill and they told me to contact collections. This is very frustrating to know that someone can authorize my name without my permission and live off a garbage bill for quite some time. Its very sad and I can not afford to pay this. 

I need help to get this removed. I do not live or own this house so this is unfair. I feel someone used my name without knowing. I am providing proof of a bill from last year under the name XXXX XXXX XXXX which is not my name.

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 2023-05-15 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have noticed several unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX ACCOUNT XXXX THIS ACOUNTIS SHOWING BALNCE, IT SHOULD NOT SHOW NO BALNCE BECAUSE I SENT A LETTER SHOWING THAT THE DEBET WAS CANCELLED AND NEEDS TO BE XXXX OUT

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-05-15 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: Kriya Capital, LLC
State: MS

Complaint narrative:
Credence Resource XXXX XXXX XXXX XXXXXXXX I do not take anything from these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-15 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: IL

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I canceled service with XXXX XXXX XXXX XXXX in XXXX  in XXXX XXXX XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency Williams & Fudge , Inc. for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to XXXX XXXX XXXX, XXXX to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} XX/XX/

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Excess of overdrath charged

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 2023-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
- Opened Home equity loan with Wells Fargo ( Approx 2005 ) XXXX XXXX XXXX held mortgage. 
- Home went into foreclosure during divorce... I notified Wells Fargo that home was foreclosed. 
- Wells Fargo rewrote the loan to " Personal Equity Loan '' and began vicious collections. 
- Wells Fargo customer service told me that the loan was written because managers do this to achieve a bonus. I told them I did not sign any documentation. 
- Loan reverted to " Home Equity '' and vicious collections efforts resumed. I brought the account into their compliance and collections reporting and efforts ceased. 
- Notified Wells Fargo that " Home Equity '' loan is not applicable. I do not own the home. Loan converted to " EquityLine with Flexibility '' again without my authorization. 
- Attempted to be included in Wells Fargo class action suit. Never heard anything related to my inclusion. 
- I posted comment on my credit report and Wells Fargo responded to my complaint and listed " Foreclosure '' after more than 7-10 years after the event and it dropped my credit rating. 
- I continue to pay {$290.00} to keep them from their relentless activities. 
* This loan should have been dissolved at the foreclosure and Wells Fargo should have reconciled with XXXX XXXX XXXX. The loan was rewritten numerous times without my authorization ( most likely to meet management performance objectives ).

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 2023-05-15 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: VA

Complaint narrative:
This complaint is to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2023 I made a purchase on a reputable website and used PayPal as the payment service. I was given the option by PayPal to split the total amount between 4 payments with the first starting immediately. This worked great for me as it was a larger purchase and as I had the funds to pay it immediately it gave me the flexibility to pay over time. So I checked the box. It stated that the first payment was due immediately and the remaining 3 would be due on the XXXX of the following months. Once I clicked it stated it was approving my application. It processes for a while and finally stated a denial with a reason to be emailed to me. Then I was forwarded to a new page with a pay in 6 or pay in 9 option. I did not want to stretch out 9 months so I clicked pay in 6 and accepted it. It then stated the first payment was due XX/XX/2023. It then gave me a loan overview with an interest rate. I was not happy about this, but I did not have time to call PayPal that moment. 
On Sunday I saw the pay in 4 denial was in my email. So I looked and it stated that I was denied the loan due to insufficient funds in my bank account. I checked my bank and found PayPal had charged 5 payments in the amount of the pay in 4 which was more than the total amount of the original purchase. 

My complaint is that this product was never initially marketed as a loan. PayPal depleted my bank account to the point that the loan would be rejected due to insufficient funds in my bank account. All of this to get me into a loan with interest so they would profit additional money from me as the consumer in addition to the fees charged to the merchant. 

I believe this is unfair and deceptive practice. I am luck to be in a position that I had alternate funds available while I am working to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have tried for months to resolve the issue of not being able to login to my Comenity Mastercard, I do not get an email to reset my password or an email, I call every month and the issue is not resolved. I explain the situation every month and last sometimes for an hour or more on the phone and nothing works. I keep explaining this situation and get the same response. I can't access my account only to make payments in easy pay which does not show me transactions, interest charges, etc. This is so frustrating as I can't see what is on my card or if there are suspicious charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: OH

Complaint narrative:
All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( XXXX, Transunion and XXXX ) to remove this inaccurate information as my score is being penalized for it.

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 2023-05-15 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: VA

Complaint narrative:
This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 2023-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have been informed that my current loans will transfer from Great Lakes to Nelnet on XX/XX/XXXX. The problem is that they are claiming they are loan transfers which I do not have a problem with. After digging for more information online I have learned that in actuality they wont be transferring my loan. They will be closing my loan which is one of my oldest credit lines ( 12 years. ) Then Nelnet will be opening a new account in my name ( without my authorization ) with the same loan terms. How is this legal? Nelnet owns Great Lakes so why cant they just transfer the current loans as they are? I have spoken to customer service for Great Lakes on XXXX and they said there is nothing they can do. Again, this is not a loan transfer. This is the closing of one loan and opening another without my permission. This will drastically affect my credit history length and I am 100 % against allowing them to open a new loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The account in question was my spouses. She passed away last XXXX. The bank is Citizens tBank. The account is on {$1700.00} and does not have POD. There is no other assets in my wifes name so no probate is necessary. The state of Massachusetts allows a bank to give $ to surviving spouse with death certificate and will if under {$10000.00} and 30 days have passed. Probate would cost me {$1500.00} and there is only XXXX in the account. Please advise if you can help or my options. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I applied for housing with XXXX XXXX. I applied the first time and was advised of credit with my partner and income. I applied a second time was denied. I asked for the report from Amrent and in the report is a criminal report for XXXX XXXX XXXX State of Georgia Case Number XXXX XXXX : XX/XX/1977. This person is not me and now Amrent states they got the information from Rapid Court could not provide where or who they are. They have a full copy of my Florida drivers license showing the information does not match. The alleged person they say I am is still on probation. I have requested all the documents for the above person, to prove that I am not that person to include mugshot and all information collected by the Georgia Department of Corrections. I have been denied housing due to there lack of reviewing information that was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief