vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXotentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$49000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open.. 


FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX. I received a phone call from Wells Fargo that someones trying to take money out of my account. I spoke to a representative from Wells Fargo that tried to help me, but winded up transferring money with a wire transfer and a XXXX. I lost over {$8200.00}. I filed a claim on XX/XX/XXXX XXXX XXXX Theyve reached back to me And dismissed both of my claims and closed them. I havent gotten my money back either. Revived a letter dated XX/XX/XXXX, saying that my claim was dismissed for the XXXX transfer. Spoke to a woman named XXXX on XX/XX/XXXX XXXX about the letter and she told me that my case is still being looked into and that Ill get my {$3500.00} XXXX transfer back in 3 days. Which I have not received.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I drafted a Method Of Verification Request to the Credit Bureau Equifax, On XX/XX/XXXX the request was sent via certified mail, delivered on XX/XX/XXXX. The response I received on XX/XX/XXXX was that the information is verified as accurate, but no information on how they verified this account to be accurate was provided, that request has been completely ignored. The amount is {$140.00} line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act account XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. 

According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of 2020. I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. 

XXXXXXXX XXXX XXXX  XXXX Opened XXXX {$86.00} XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}

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 2022-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I received loans from Navient XXXX XXXX XXXX XXXX during years XXXX and am disputing the charges based on the Federal law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
On XX/XX/2022 at XXXX p.m., I received a phone call from XXXX XXXX at First Source Advantage , LLC in regards to my wife 's XXXX card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX sent in a letter to Equifax, XXXX, and XXXX. Please see the attachment for my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
GM Financial has placed an recognized/unauthorized inquiry on my XXXX  credit report on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of identity theft through Bank of America. Someone opened a credit card with BofA in my name and then opened a linked Checking and Savings account. They used BofA credit card to transfer money to checking account and then to XXXX XXXX XXXX. I did not open any of these accounts. I have tried to resolve the issue with BofA for almost XXXX months now. Employees keep giving me conflicting information. I am told to do one thing and then transferred to another person that tells me something different. It is like no one really knows what they are doing. BofA also declined to approve my fraud claim because they said the money was transferred to an account in my name. This is how the fraud happened. But, when I call to speak to one cohesive department they tell me I can only speak to credit card department that is separate from Checking department. Both departments give me the run around. I have spent hours on hold and being transferred from department to department. I believe I am a victim of a new type of fraud, but BofA won't tell me why or how they let someone open XXXX linked accounts. Was it digitally or did they do it in person? I want to see the credit applications that were submitted but they are also giving me the runaround. They have been very difficult to deal with and now they are expecting me to pay over XXXX as a result of being a victim. The person submitted an incorrect birthday from what one BofA employee told me and therefore BofA is to blame for allowing someone access to so much money in my name. I don't know who else I can speak to to help me resolve this issue. I believe BofA is purposefully trying to make it so difficult so that I give up and just pay the money that was stolen.

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 2022-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
XXXX or XXXX I went to check at the small first aid clinic ( at XXXX ) XXXX XXXX XXXX because I fell dizzy, they ask me for my id and insurance I provided both and fill the form they check me for 5 minutes and did not find anything and did not even tell me what to drink or to do just that if that happen again go to the hospital, 3 months later i received a call about that debt and i response i have my insurance how can you ask me to pay that instead of charge the insurance, they ask me to provide again the information of the insurance and did., 4 or 5 months later again i received another call, and i explain the same, since that day they continue trying to collect that 5 minutes of attendance that should be paid for that insurance company that I decided to cancel too. 
they are selling this debt in 5 years like 5 or 6 times to different companies and damage my credit too. 
XXXX XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: IN

Complaint narrative:
I need these hard inquiries removed from my TransUnion credit report as they are fraudulent and I am a victim of identity theft. They are listed below : Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX  - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2022-07-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX Account has violated my rights XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 a. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-06 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXk XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it. 



According to 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a bill from XXXX in regard to a credit card that I did not open. This was a fraudulent activity. I did not open the card with them and have reported the fraud to XXXX, XXXX and XXXX. I attempted to call all of the XXXX contact numbers on the bill to dispute the card but when i was connected to the virtual machine it told me to call later. All of this happened on XX/XX/22.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 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: PA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Experian disputing the accuracy of account XXXX  XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX # XXXX I asked them for verification that this account was mine and they did not. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. I ask that all disputed items be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXXXXXX XXXX which is a result of fraud since I did no authorize such account and should be removed from my consumer credit file 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 2022-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have contacted RS clark and associates to provide me with the proof that the debt they are attempting to collect from me, of {$120.00} is valid and proof that it belongs to me. Instead of providing me proof, they sent me a letter that I am trying to get out of an owed debt. I recieved a letter from them in the latter part of 2021. I attempted to reach out to them prior to 2021 as well but was to no avail. I have also disputed this debt with the credit bureaus many times. Their procedure is that they send the debt to be verified to the collection agency themselves and upon the collection agencies word they update the results as to debt valid or invalid. When I asked the credit bureaus of what proof they get from these agencies when they send the dispute to them, I was advised they dont ask for any proof, if the collection agency says its valid, they mark it valid. This practice is not fair. The collection agency doesnt want to provide the proof to the consumer and the credit bureau doesnt ask them for proof, this is nothing but money extortion. I need assistance in getting this medical debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: IN

Complaint narrative:
I need these hard inquiries removed from my TransUnion credit report as they are fraudulent and I am a victim of identity theft. They are listed below : Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation