vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to Equifax, XXXX, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
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 my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: NV

Complaint narrative:
According to XXXX, Experian and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.

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 2022-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX you received a Certified Letter of me asking you to verify the method of verification on the account above. 

On XXXX I received a Dispute Result that this account above was Verified. 

How actually was this Verified because the third-party XXXX you use has no information of me having a Bankruptcy on my Consumer Report? 

On XXXX I received my Consumer Report from XXXX showing that there is No Bankruptcy on my consumer credit report *I have attached the XXXX Consumer Report in this Letter. 

Please DELETE this Account Immediately from my credit report to prevent further damage.

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 2022-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have written this company who is furnishing inaccurate information on my consumer report asked for it to be deleted due to unauthorized they told me all inquiries have been verified but did not give any supporting documents or provide with any proof of proper procedures. I also filed a complaint with the FTC complaint number is 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 2022-08-14 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 is incorrect
Company: Checkr, Inc
State: OH

Complaint narrative:
Over a year ago XXXX gave a routine background check to my Employer of almost two years, XXXX. The report was incorrect and got me immediately terminated. For over a year they would not give me a copy of this report until the CFPB stepped in and I got it. 

The report was incorrect, I disputed it, it was corrected and sent to me. Problem I'm having is they're telling me I have to get XXXX to request a new report for this information. XXXX under no circumstances will do that, not to mention it's their responsibility it's Checkr 's. Checkr not only never informed XXXX I disputed the report, they're refusing ( XXXX XXXX to furnish them a corrected report, so I am at this point still unable to work over a mistake that's been corrected. 

I'm sorry to bother you guys with this again, even though it is a separate issue, they just don't do anything unless the CFPB is involved and I shouldn't be barred from employment because of a mistake. I also think they've known this was a mistake for over a year and that's why they never furnished a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I understand that the CFPB is limited to what they can do about the Banks engaging in violations of CFR regulating the banking industry and knowingly participating in the violation of the provisions of Chapter 63 " Bank and wire fraud, Chapter 77 '' abuse of the law and legal process '', Chapter 95 and 96 " money laundering and violating the RICO Act '', all of the United States Criminal Codes against the citizens because we are XXXX people. 

Wells Fargo and I suppose to be in Mediation. I have tried to get the signature pages that purport that I sold XXXX XXXX XXXX, XXXX from Wells Fargo. I have also complained that Wells Fargo opened many accounts in my name misusing my signature, basically you open a checking account, so you think, and that turn into 3 or 4 open accounts. with the multiple accounts opened that you are not clear of, they can move your money around causing that {$35.00} NFS charge. I once deposited {$100.00} in my account. The same day I purchased a loaf of bread. That loaf of bread cost me about {$38.00}. It was {$3.00} for the brad and {$35.00} to Wells Fargo as they put the money in one of the accounts that you did not know about or was not clear of. This was done with the very same debit card that I used to deposit the {$100.00}. 

Wells Fargo has sent me over 200 pages related to the bank accounts opened in my name but they still refuse to send me the signature pages that purport that I sold XXXX XXXX XXXX in XXXX. I did not sale that house, it was conveyed with a fraudulent deed or an artifice as detailed in 18 USC 1021 and Chapter 63 of the US Codes. Wells Fargo Know and or knew this and facilitated the criminal acts to receive a blind eye form NC as Wells Fargo in short help the NC Court Officer 's steal equity out of the property belonging to the XXXX community violating 18 USC 241-241 with the promise of impunity.

I have had many conversations about the unwanted accounts but none about the sale of XXXX XXXX XXXX To be clear, I have talked hours about the unwanted accounts with Wells Fargo and about 5 minutes about the theft of my home. I have received about 200 documents about the unwanted accounts and 0 pages on the theft of my home. 

Wells frgo seem to want to address the small issue where I lost maybe {$500.00} at most but refuse to engage in mediation where I lost {$380000.00} ( the value of XXXX XXXX XXXX ) I plan on filing a Complaint with the US District Court, the XXXX XXXX XXXX NC if we can not resolve this. Wells Fargo can just give me back the {$380000.00} pursuant to 18 USC 1964 ( c ), three fold.

Wells Fargo is playing mind games causing and perpetuating psychological, financial and emotional injury.

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 2022-08-14 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: NV

Complaint narrative:
According to XXXX, XXXX and TransUnion are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.

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 2022-08-14 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: NV

Complaint narrative:
According to XXXX, XXXX and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter. 
I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Also, Please remove in accurate employers as well as listed below : 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 2022-08-14 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: FL

Complaint narrative:
To the CFPB ( Consumer Financial Protection Bureau ) I request that Early Warning Services provide proof that I have committed account abuse or banking fraud. 

I have not committed account abuse or banking fraud I was a victim of identity theft, the item on my early warnings report is incorrect. 


I have tried to resolve with EWS directly and to no avail. 
The proof is in my previous CFPB claim. 

Here is my contact information : XXXX IF THEY NEED TO VERIFY MY IDENTITY CALL ME AT XXXX XXXX XXXX XXXX  MONDAY THROUGH FRIDAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I do not or have not ever lived in North Carolina my ex-wife and her family is from there but I have never lived there I have never been there but yet I keep getting hard inquiries from there I believe that my ex-wife is using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Applied for Wells Fargo credit card, on line account opened, unable to check account and use for balance transfer, spent hours on phone with customer service and get the run around. Website mobile app down, unable to see my account or use it. I should as a consumer access account. I want to cancel card but it will affect credit score, hard inquiry. I want it removed fully like I never applied for it, a consumer should be protected from fraud and not being able to access account, yet a card was sent and no help from wellsfsrgo. Please help and tell me what I can do to get rid of this night mare. Never had any issues with credit until well fargo, other consumers have same 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 explanation
Consumer complaint received 2022-08-14 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter.

I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Please remove in accurate employers as well as listed below : 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 2022-08-14 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: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter.

I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : LVNV Funding XXXX XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I financed a vehicle with Ally Financial Inc in the amount of {$17000.00}. Payments were made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was a victim of a motor XXXX XXXX having XXXX the car. As of XX/XX/XXXX Ally Financial was paid in majority leaving a balance of approximately {$3500.00} XXXX XXXX XXXX XXXX XXXX covered roughly {$2000.00} XXXX XXXX XXXX Leaving a balance according to Ally of {$1200.00}. I have attempted on numerous occasions to seek information as to my loan application, amortization schedule on my loan, itemized billing statement with no response or simply indicating they arent able to speak to me and need to go through my attorney and he has not received my information either. I sent a letter to Ally Financial on XX/XX/XXXX with my concerns of their balances and credit reporting. Ally is reporting that no payments were made on XXXX occasions as of XX/XX/XXXX. They continue to go back and forth with their information being reported on my credit such as ( Current payments from XX/XX/XXXX through XXXX of XXXX, then switching to NO payments made on XXXX XXXX and XXXX of XXXX, to unknown payments XXXX of XXXX through XXXX of XXXX and current payments from XXXX of XXXX through XXXX of XXXX. These misrepresentations are continuing to drop my credit scores impacting my ability to open various loans. The loan has been closed for going on 3 years now and they are reporting negative histories which should have never been reported. I havent received documentation from them with the facts of their reporting balances and information of where its coming from even when I have called and wrote to them.

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 2022-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted.

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