vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have tried to use this card for several online purchases below the remaining balance, and I can not get it to work. I followed all the steps I found online with no success, and it appears this is a common issue with AMEX prepaid gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received my credit profile and there were ( 3 ) incorrect addresses, employer, and ( 9 ) inquiries that I did not authorize.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I pulled my credit report and trying to see where in the process will I be for buying a house and I saw a lot of items that are not mine. I called all creditors and tried to get information and some I told them that these accounts are invalid due to fraud but they still did nothing and some I was unable to speak with. I am a victim of identity theft and have been since XXXX of XXXX. Someone gained my information due to me losing my purse and they took all my information such as ID Credit cards and Social. I have been trying to get this back right, but I have run out of options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX acct # : XXXX, XXXX XXXX acct # : XXXX, are all in violations 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6802U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy Act 1974

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 2024-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: FirstKey Holdings, LLC
State: MN

Complaint narrative:
I want to follow up on previous complaint # XXXX, due to unnecessary hold of funds to gain partial release of funds. 

Mortgage holder, TOWD Point Mortgage Trust XXXX, XXXX XXXX XXXX XXXX XXXX as Indenture trustee by assignment dated, XXXX filed XXXX as document # XXXX. 

My concern was that the funds held back to the investor was not necessary as the remaining asset was 7x more than the remaining mortgage ( per the proper appraisal submitted ) I had to agree to the payment back to the loan of over $ XXXX or the investor would not approve after 2 years of processing and major delays by XXXX ( the servicer ) When asked why I had to relinquish part of the sale to the investor, I was told by XXXX that it's because I have a XXXX loan and they are not making any money on you. 

Can I be penalized like that for being on a federal program in which I have NEVER missed a payment in over 10 years? 

Couldn't ask before as I felt I was being put into so many delays due to being disabled, female senior and held up over two years. I needed to sell this partial wooded area for the funds, knowing that it posed no risk to the investor. Financial advisor friend of 30 years has said he never heard of such a thing! 

Was I penalized for having a XXXX  loan and can banks do that? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of Identity theft due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified all of the credit reporting companies of this and was met with push back. XXXX stated the information was verified the same day I disputed it. There is no way the accounts were verified same day. What investigation was done?

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I've disputed these negative accounts with all three credit agencies- XXXX, XXXX, and XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and I've contacted the collection companies who place the information on my credit report. They did not answer any of my letters. XXXX XXXX XXXX XXXX XXXX XXXX, and JEFFERSON CAPITAL SYSTEM and XXXX ) Therefore, I contacted all three credit agencies again ( XXXX, XXXX, and XXXX ) to get answers relating to how they validated the debt - since I'm not able to reach anyone by mail. I received no valid answer, and they did not remove any of the negative information from my credit report. They told me to take my issues up with the company to have the information deleted. 
XXXX XXXX - AMOUNT : {$230.00} XXXX XXXX XXXX - AMOUNT : {$470.00} JEFFERSON CAPITAL SYSTEM - AMOUNT : {$1500.00} XXXX XXXX - AMOUNT : XXXX or {$1500.00} HOW CAN I RESOLVE THIS ISSUE IF NO ONE IS COMMUNICATING AND DOING WHAT IS REQUIRED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS TRULIANTFCU Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC 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 2024-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I open my account in XXXX with a XXXXXXXX XXXX deposit direct deposited from my XXXX XXXX  XXXX checking account. After two months of calling and waiting I still never received an atm card. They refused to transfer my money back to my original account with out the atm Card number. Which I never received. 
I asked for a manager who was rude and nasty said they did nothing wrong. Would only mail me My money which she had just said she had mailed an atm card two times and it was returned. But now she is going to send my money that way. That was XX/XX/XXXX. Still no check. I received three letters saying my address was updated each time the exact same but still no check. Ive called three more times and no body will take accountability and give me back my money. So for four months they basically have held my 300 hostage and refuse to give me 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 2024-01-09 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it 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 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Hello, my name is XXXX XXXX. On Friday XX/XX/XXXX at XXXX I received a call from someone claiming to be with the Wells Fargo Fraud Department . The call was placed from the phone number ( XXXX ) XXXX, as well as the caller ID " Wells Fargo Bank. '' The supposed employee claimed that there had been some suspicious transactions posted on my account totaling {$3500.00} in a faraway zip code. One transaction in the amount of {$1300.00} and one in the amount of {$2200.00}. The employee then verified the last four of my account numbers and the dollar amount in each account. Once verified, the employee stated that they were working with someone in their XXXX department named XXXX XXXX The employee then stated that they froze the XXXX transactions and that In order to fully reverse the transfer, I needed to accept the {$1300.00} XXXX request from XXXX XXXX XXXX and that the funds would return to my account within the hour. After an hour I grew suspicious and called the number back, only this time I reached the actual Wells Fargo Fraud Department, who then informed me that I had just been scammed. I then submitted a fraud claim. The next day at XXXX I received another call from ( XXXX ) XXXX with the caller ID " Wells Fargo Bank `` This time was another attempt to get me to " reverse the second fraudulent {$2200.00} XXXX '' I promptly hung up the phone and re-dialed the number. Again this time I reached the actual Wells Fargo customer service line, who then prompted me to create this email/report. I recently received a decision from wells fargo saying that I am not entitled to my money back, and that it is not their fault because it was through the XXXX option on wells fargo. However, I don't see how this is my fault being that they had access to all of my personal information, including the amounts that were in my accounts and the account numbers and no one should have access to this but my bank.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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