vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$28000.00}. Please remove this account from my file.

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 2023-04-05 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: WA

Complaint narrative:
Mailed via certified mail an identity theft report with a hand written letter, a copy of my drivers license and social security number as well as the fraudulent accounts highlighted on my credit report to Equifax ( received XX/XX/XXXX ) and XXXX ( received XX/XX/XXXX ). Both companies have refused to remove the hard inquiries that occurred during the incident of identity theft as well as the XXXX loan accounts. They have closed out the dispute without removing all information associated with the identity theft. I have called to follow up with Equifax on XX/XX/XXXX and was told I needed to file an additional FTC report to get the hard inquiries removed. I followed up with XXXX on XX/XX/XXXX and was told that they can not remove the hard inquiries and that I have to take it up with the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; FA XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX CAPITAL ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: MO

Complaint narrative:
I am a victim of identity theft. I have filed reports for identity theft and have even notified the 3 consumer reporting agencies over 3 months ago and nothing has happened. They have not removed anything nor have they mailed me anything. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with MAXIMUM accuracy. I have never opened any of the accounts or the inquiries that have included in my reports and they should be removed ASAP.

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 2023-04-04 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$760.00}.

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
I had returned an item that I had purchased at Banana Republic with a Banana Republic gift card and had not been refunded.

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 2023-04-05 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: PNC Bank N.A.
State: AL

Complaint narrative:
In XX/XX/2022, I went to PNC in XXXX ( XXXX XXXX XXXX ) to add my son to my account. We were assisted by XXXX XXXX and she had to call for help multiple times on how to execute the request. We were told signature cards only had XXXX lines and had to specially request XXXX from corporate with XXXX lines to add him. The card arrived at the branch and was faxed to a branch near my son for his signature and faxed back. During this process the XXXX branch noticed that there were errors - the names were incorrect. The XXXX branch told the XXXX branch was told they would need to fix the account names. XXXX stated she could not fix without her XXXX and were told to cross out names and it would be fixed later. Next, the accounts of my sister were crossed with mine sent to the wrong person at the wrong address. The bank closed my sisters account in error on which I was a signer and her retirement check could not be deposited. A check came in for payment and overdrew the account. The bank then deducted funds from my account overdrawing it to pay for the OD caused by the banks error. The bank sent threatening letters to us for {$10.00}. We are elderly and have struggled to get them to fix this and understand their processes. This was not our fault but we have been threatened and penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX notice on XX/XX/23 from PayPal requesting money in amount of {$990.00} I did not approve this transaction. I called the customer service number in the PayPal app and got a man speaking in a XXXX XXXX  accent. He said the the payment was already processed ( eventhough I could not see it on my end ) but not to worry their company was going to credit my acct. all I needed was a computer so they could establish a secure site to transfer the money. This app they had me DL was very suspicious the screen kept going black for min at a time. The first time they attempted the credit my checking acct they said it didnt go through correctly so we would need to do two separate transfers. On the next attempt another glitch happened and the system xfrd XXXXXXXX instead of {$500.00} ( of the {$990.00}. ). I was told this was a huge problem that had to be fixed right away and I would need to go to a XXXX or XXXX  right away XXXX all I would have to do is swipe my card. I told them I did not feel comfortable w this & wanted to call my bank. They said I could not do this bc I was on a secure line and I could not under any circumstances end our call. The manager on the phone told me the IRS could already be involved and that if I didnt do as they say I could face federal charges. They said there were trying very hard to help me, and to prove so, if I cooperate with them they will give me a {$100.00} reward, but its extremely important that I hurry. Nothing they were saying felt right so I hung up. They continued to call repeatedly a half a dozen times. I immediately called my bank and they confirmed that the money these people had transferred to my checked account was actually pulled from my savings account. 
I wish to have all of my accounts flagged for any suspicious activity. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My student loan servicer is Great Lakes. The only problem I have with them is that my phone number was potentially released by them to an illegitimate company. I rec 'd a call today, XXXX, and spent an hour on the phone, thinking I was being signed up for loan forgiveness under a new program called, Revised Pay as You Earn. I was asked my email, and they used it to change my password and access my account with Federal Student Aid. I was asked income and employer info. I was told I was eligible to pay {$200.00} a month for the first five months only, then $ XXXX month for 240 months, and then my loan would be forgiven. I was asked for a date I would pay, and then I was asked for a debit or credit card number. I said, You called me, nobody would give you a debit or credit card number! How do I know who you are? He repeated a number that I could call him back : XXXX, ex, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: LEXISNEXIS
State: NJ

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for the listed account ( XXXX ) as I have been a victim of identity theft. 

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. 

I am instructing you to please delete the following fraudulent account ( XXXX ) and inquiries from my consumer report immediately. 

Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 

Name ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX ; Address - XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, at XXXX XXXX, I received a text alert from Wells Fargo informing me of multiple withdrawals. I opened a new Wells Fargo business checking account under XXXX XXXX XXXX. I was supposed to receive a business debit card in one envelope and the pin in a separate envelope. I never received the items, however, it's also worth noting that my mailbox isn't secure and it's easy to take someone's mail without using a key. I called immediately when the incident occurred. Though the bank stopped the second and third withdrawal attempt, the suspect was able to takeout {$300.00} from their first withdrawal. I disputed the transaction, however, Wells Fargo denied my claim because the suspect had both pin and card. According to Wells Fargo that there's no way for anyone to steal these envelopes since they are mailed separately and that the only possibility is that either I did it or someone whom I knew did it. I requested to get a new card and pin, and I filed a police report to dispute their claim. And now I've come to CFPB to submit a formal complaint.

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 monetary relief
Consumer complaint received 2023-04-05 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian XXXX XXXX XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXX XXXX XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and XXXXXXXX XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from Experian and 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 2023-04-05 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: IL

Complaint narrative:
On XX/XX/ I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the XXXX XXXX XXXX XXXX XXXX that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including XXXX, XXXX and Transunion to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX  AS WELL.

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 2023-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a debt/charge-off still reporting on my consumer report where XXXX XXXX, XXXX XXXX had agreed to dismiss debt in the court as of XX/XX/2022. This debt/charge-off should not be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX account # 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 an 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