vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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: AZ

Complaint narrative:
I was a victim of identify theft and fraud through XXXX XXXX  on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, XXXX, and transunion. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * XXXX Still showing delinquent, historical payaments * Transunion- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.

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 2023-04-16 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: NY

Complaint narrative:
AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account na, XXXX XXXX XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY

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 2023-04-16 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: NY

Complaint narrative:
AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX  the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Made a dispute with bank my card was used without my permission but they denied me my claim and denied to returnfunds My Claim number is XXXX They denied my claim

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 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I purchased a Western Union money order in the amount of {$49.00} at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 
The Western Union Money Order Number located at the top right of the money order is XXXX 
The money order ripped and I only have half of the money order., Western Union stated that I would need the receipt for the money order to be refunded however I left XXXX XXXX without the receipt. 
Contrarily I can not use a this money order as I only have half on the money order. Additionally, Western Union refused to refund the amount to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
In XXXX of XXXX I was contacted by mail by Phoenix financial regarding a debt of {$1700.00} for medical transport by XXXX XXXX XXXX at which time I directly contacted Phoenix financial by phone and they told me that the service was rendered in XXXX in XXXX XXXX California and was I was supposedly transported to XXXX XXXX XXXX  XXXX XXXX also in XXXX XXXX California as a result of a car accident and upper quadrant pain however not only have I never been to XXXX XXXX California but I've also never been in a car accident in XXXX explaining this to Phoenix financial I stated it apparently my identity had been stolen as my purse was stolen in XXXX with all my ID and everything in it Phoenix financial disregarded this so I attempted a dispute through XXXX credit which was also disregarded I made contact with XXXX XXXX XXXX XXXXXXXX XXXX where I was told they have no record of me ever being at the hospital ( included in the attached documents ). I did file I identity theft with the FTC as well as placing fraud alerts on my credit profile however the dispute was again disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: AZ

Complaint narrative:
I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, Equifax, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * Equifax- Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: AZ

Complaint narrative:
I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : Experian, XXXX, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * Experian- Still showing delinquent, historical payments * XXXX Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX  XXXX and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX  XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This shows that a proper investigation was never done before this XXXX was added back onto my consumer 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 2023-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo manipulated my payments and move funds out and in of my account when they were my mortgage servicer. Id make payments early, some times a week early, knowing Ill be out of the country or not being around to make payment on time, and Wells Fargo would undo my payment without my knowing. And thats not the bad part, they moved the money i transferred out of my account completely, they didn't even refund to my checking nor savings. They then would magically transfer the funds back on the day mortgage is due, pretending nothing happened. this happened numerous occasion when i needed to cushion myself by paying earlyaround the holidays, or before me leaving the country. they pretty much have access to thousands of dollars invested for 7-14 days by uaing my money.

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 2023-04-16 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: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Wakefield Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX Account # : 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 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Arvest Bank has taken over my mortgage in XX/XX/XXXX and I was able to reduce my property taxes due to proposition 19 here in california. I received final notice that my property taxes have been almost cut in half in XX/XX/XXXX but have been unsuccessful in trying to get them to adjust my escrow account. First they told me that they would adjust it in XX/XX/XXXX, then I called in early XXXX to find out what day I can expect it to be modified, they told me it won't be until XX/XX/XXXX and that it wouldn't take effect until XX/XX/XXXX. They already owe me XXXX  of dollars due to over collecting on my escrow account even though they have copies of my current property tax rates. I have given up calling them and hope you can get them to reassess my escrow account soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 am a victim if the XXXX data breach there is a Charge off account XXXX XXXX Account # XXXX reporting on my Experian and XXXX credit reports. Both Experian and XXXX have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.

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 2023-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I shouldnt even be paying this because my school doesnt exist. I want to make a low monthly payment as little as XXXX dollars and they wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
Multiple addresses that dont belong to me Numbers and my name is spelled different

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 2023-04-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Multiple addresses that dont belong to me Numbers and my name is spelled different

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
A bunch of companies sold my information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
A bunch of companies sold my information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
A bunch of companies sold my information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 am a victim if the XXXX data breach there is a Charge off account XXXX XXXX XXXX XXXX XXXX reporting on my XXXX and Transunion credit reports. Both XXXX and Transunion have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.

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