vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed.

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 2022-12-10 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: NY

Complaint narrative:
my XXXX account it reporting incorrectly. 
my card balance should show as {$730.00}

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 2022-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Someone opened account in my name unauthorized make account good standing delete balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XXXX I received mail from XXXX XXXX alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however resurgent responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has been a headache for a long time ago! I have ask several time for some help but this lender has not help me once!! 

After the XXXX XXXX assistance have help me so much!!! I appreciated but while my mortgage with Wells Fargo bern in the process of loan modifications, bankruptcy, foreclosure and so on shouldnt have this much late charges fees the least Wells Fargo can do is waive the fees for the pain and headache they cause me all this years I would like for wellsfargo to waive this late charges Im the amount of {$2700.00}. And apply payments for XXXX and XXXX 
the least they could do since they cause a big load of pain all this years

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 2022-12-10 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: FL

Complaint narrative:
The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

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 2022-12-10 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: AZ

Complaint narrative:
This company still reports debt that was already paid and my credit report on all 3 reports keeps reporting it. I have documentation proof that I dont owe it, I attached the documents below

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 2022-12-10 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom may be concerned This letter is a formal request to remove an inaccurate collection from my credit report that I do not recognize. XXXX XXXX XXXX placed a collection on my credit on XX/XX/2022. Please note that before making this request, I sent a letter to the agency responsible for this inaccurate collection requesting to validate the debt and cease any illegal activity. Although I sent the letter return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim, if after your investigation, if you find my claim to be valid and accurate, I ask that you immediately delete the inaccurate collection from my credit report. If your investigation determines the collection is accurate, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter. 

Best Regards 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 2022-12-10 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:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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: VA

Complaint narrative:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes 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.

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 2022-12-10 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: NC

Complaint narrative:
I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
I went to umpqua bank on XXXX XXXX in XXXX Oregon to close my account since no local branch was available in my city of XXXX CA. The teller whose name is XXXX XXXX said to me " I see there are some pending transactions and so I want to get this transaction right. '' She also stated that my account would be closed by the end of the day and any remaining funds would be sent via a check to my address in XXXX CA. The next day I saw that my account was not closed and further the account was overdrawn. I was instructed by umpqua bank to call XXXX XXXX, which I did at least two times. She did not answer nor did she return my request for a call back. I repeatedly tried to get this matter resolved with umpqua bank to no avail. In the meantime, a few months previously, I had requested my account be credited from XXXX due to a charge at a motel in XXXX California. They requested photos and said my account would be credited which I proceeded. They credited my account. This was not an interim credit. This was a permanent credit per their representative. However, following the overdraft incident at the XXXX branch in XXXX, umpqua bank reversed the charge and debited my account regarding XXXX added an overdraft fee and tacked on a service fee and promptly locked me out of my account and closed it and turned it over to a collection agency and then reported me to chex systems. I had vigourouly tried to get this removed my my credit report and am extremely serious about getting it removed both from collections and XXXX XXXX. This practice I believe is illegal and has ruined my ability to open a bank account with the local credit union. I have photos that show the XXXX motel in question was closed down by the health department. When is this bank umpqua bank going to be held responsible for these actions? I know I as the consumer am right in this matter. I want something done in my favor.

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 2022-12-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX  account # XXXX has violated my rights. in accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not got a response from credit bureau regarding inaccurate public records.

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 2022-12-10 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: Tally Technologies
State: TX

Complaint narrative:
My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!

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 2022-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV has now placed a collection notice on my credit report both XXXX and XXXX, without providing me written notice to dispute the debt according to FDCPA. They also show the account was just opened as of XX/XX/22 which is also not correct. This account was opened last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 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 2022-12-10 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: GA

Complaint narrative:
I've been communicating with TransUnion, XXXX, and XXXX about my XXXX XXXX XXXX XXXX XXXX XXXX  that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus 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 2022-12-10 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:
I've been communicating with XXXX, XXXX, and Experian about my XXXX XXXX XXXX XXXX XXXX loan that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus 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 explanation