vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX  @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX Identity Theft Security Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for Identity Theft. I have a complaint with the Washington State Attorney General 's Office and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: KS

Complaint narrative:
Ive sent numerous letters to all XXXX credit reporting agencies about reporting XXXX repo 's on my credit report from XXXX XXXX and XXXX XXXX i did not give them any written consent to report these. As law 15 usc 1681a2 states.

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 2023-06-30 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: DC

Complaint narrative:
I have chatted online and called multiple times on protecting my name and address from bein used and twisted around and now there are multiple hard inquiries that need to be removed it is effecting my credit score while trying to handle business

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-06-29 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent XXXX, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.

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 2023-06-29 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of Identity Theft. I have been trying to resolve this matter for XXXX with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These XXXX accounts are fraudulent XXXX, Discover and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early warning continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS, XXXX XX/XX/XXXX NISSAN ACCEPTANCE XXXX XXXX XXXX XXXX, TEXAS XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX ( 19 RECORDS OF LATE PAYMENTS ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 

Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: LEXISNEXIS
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern, Hello, I would like to voice my complaints with Bank of America for flagging and closing my business account without any warning or attempt to communicate with me. 
For context, my family owns a small business dedicated to short-term rentals on the XXXX and XXXX platforms . At the beginning of XXXX, a customer contacted us through the XXXX platform, wanting to book 15 nights in one of the condos we manage. He explained that his company would take care of the payment and that they were sending a certified check by mail. 

This customer then gave us a tracking number, and on XX/XX/XXXX, we received the USPS package with the check. The check was then deposited via a Bank of America ATM since it was after the bank 's open hours. 

The next day, on XX/XX/XXXX, we attempted to access our online banking system, but our access was denied. Since this was unusual, we called Bank of America, and a representative informed us that the account had been closed due to an incident of fraud. Furthermore, the Bank of America representative stated that our company would not be able to open any other bank account with Bank of America due to the incident of fraud. I attempted to explain the situation, as this is a very clear case of mail fraud perpetrated against me and my business, but the representative could only respond, saying the account was closed due to the deposit of the fraudulent check and that there was nothing I could do. I asked if there could be a case open where I could explain and submit evidence of what happened, and they told me no. They transferred me from department to department to no avail. All they could say is that there was nothing that could be done. 

We were the victim of a mail fraud scam, and Bank of America marked our business account with an incident of fraud and outright closed the account without providing any form of help or warning us of the incident.

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 2023-06-30 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: UT

Complaint narrative:
Without my knowledge or permission Transunion changes my name to something that I have never been. They gave me a middle name also. I sent them a document showing a certified court document that shows my complete name legally changed and filed since 2003 is XXXX XXXX with no middle name or initial. All credit cards show my legal name as does social security. But Transunion has misnamed my file so that their data does not agree with my lawful name or my social security number. Transunion also has a contaminated file containing about 30 % fictitious addresses, phone numbers making it impossible for me to answer questions about myself that agree with their phony data. Transunion refuses to take off fictitious addresses I mention of places that never were my addresses and tells me that I lived in a county I never heard of two years ago. They use their false data as an excuse for their refusal to return my name to agree with social security, my birth certificate and all driver 's licenses issued to me in the past 20 years. As a result, I have been denied 3 credit cards and One card is cancelled without warning or notice afterwards, I suffer greatly financially to the tune of thousands of dollars. My question is do I ask them to terminate my file since they refuse to correct it and claim I must answer their questions with answers that agree with their distortions or they will continue to refuse to remove the phony name they devised and have my file under that I have never had or used : XXXX XXXX XXXX. I have no middle name. In consequence of their atrocious fraudulent action and errors I keep receiving demands for money from a collection agency for XXXX to whom I have no credit card or balance due using the phony name transunion thought up to put my information under thus fraudulently ruining my credit rating that was XXXX and now is not.

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 2023-06-29 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: KS

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXXBalance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

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 explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Department of education/Nelnet have shown me as being 120days late, a second month of being 120days late then the third month as being 150 days late. The problem is all in front and behind these XXXX months there are nothing but green checks. So the math of XXXX months 120 days late and the third at 150 days late does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: KS

Complaint narrative:
According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXXXX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I made a sale on the platform XXXX on XXXX with the proceeds sent by PayPal. PayPal immediately put these funds on hold, offering to release them a day after delivery if I uploaded the tracking info. I immediately provided this info but the funds werent released the day after delivery on XX/XX/XXXX. I was then provided a release date of XX/XX/XXXX which is today but the funds are still on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I accidentally purchased products from a fraudulent company. The company had a website that impersonated the official XXXX XXXX website perfectly and I honestly could not tell the difference. The official XXXX website ends in a .com and this one ended in a .us. I purchased an order for {$29.00}. The company charged me four times, two charges for {$29.00} and two charges for {$0.00}. The company sent me a fraudulent tracking number that was sent out to several other people I know who also ordered from this website. It says my order was delivered on XX/XX/XXXX to XXXX XXXX, Florida. I live in XXXX, Pennsylvania, which is where the order would have been shipped. When I reached out to the company, they told me to have a nice life and it was only then I realized I was dealing with a fraudulent company. I attempted to file a chargeback with my bank, Truist, on the grounds that I was charged twice, and that my order never actually got delivered to my house. The claim was denied so I called my bank to file an appeal, and that was also denied on the grounds that I technically authorized a charge from this company. I feel that I am being wronged as a consumer. 

It is also worth noting that over the last month and a half, the company has changed their website from XXXX to 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 2023-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I received a credit alert on XX/XX/23 that I had an account reporting 30 days past due. I looked and say that my grain account was reporting 30 days past due when that wasnt true. I reached out to the company via email XX/XX/23, XXXX.I finally receive a response on XX/XX/23 and they told me since I was a few days late paying they were accurately reporting my account past due. 

They are falsely reporting my account as 30 days past due causing a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquirie deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - Please remove it from my credit reportplease investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question HighlightedDelete account for failure to perform an investigation per fcra regulationDelete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law 1 of 2 this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this 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