vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
XXXX  ( formerly transferwise ) deactivated my account on XX/XX/XXXX with more than XXXX USD and as of today XX/XX/XXXX my money has not been delivered. More than 90 days - 3 months have passed and my money has still not been delivered to my XXXX account that I provided in the appeal. They sent me an email and told me that they paid me but it is a lie, the money has not arrived. The 60-business-day deadline for the due diligence that you talk about so much has already expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-02 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: NY

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope all is well.. 

I look at all 3 credit bureaus especially Experian it doesnt show my XXXX credit card on time payments and also the amount of the credit card. Can you please update all credit bureaus to show paid on time and credit limit amount of all 3 credit bureaus for XXXX credit card Experian, XXXX and XXXX? Thank you very much for your time. Have a wonderful day and please be safe.

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 2022-02-02 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges also did not authorized these inquiry requests mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges also did not authorized these inquiry requests mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.

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 2022-02-02 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: MS

Complaint narrative:
My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, XXXX, Transunion, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-02-02 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: MS

Complaint narrative:
My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, Experian, XXXX, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-02-02 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: NY

Complaint narrative:
When I received my credit report, I was disappointed to learn that the following incorrect and fraudulent things were still there, despite the fact that I had informed you that they were the result of identity theft. To help me fix my credit record, I'd like you to erase the entries indicated in my letter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
When I received my credit report, I was disappointed to learn that the following incorrect and fraudulent things were still there, despite the fact that I had informed you that they were the result of identity theft. To help me fix my credit record, I'd like you to erase the entries indicated in my letter 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 explanation
Consumer complaint received 2022-02-02 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: MS

Complaint narrative:
Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, Experian, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.

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 2022-02-02 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: EQUIFAX, INC.
State: VA

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 deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi there. I carefully read your previous response and was really hoping that it will answer my concerns since you sounded very helpful over the phone. At some point I felt that it did, after you mentioned that the term of my loan was extended by 18 months to compensate for the 18 months that I was in deferment. But upon counting the loan extension months from XX/XX/2046 to XX/XX/2048 I realized that my loan terms have actually been extended by 21 months ( not 18 months as you claimed ). Not sure how a bank can make such an obvious arithmetic mistake but nevertheless it clearly shows that the explanation you gave me was not factual and therefore was incorrect. So again my concerns were not addressed at all, and I have been given wrong information in an attempt to explain away my concerns. 

If the deferment is truly a deferment of payments for a period of time, it should only extend the terms of the loan by exactly the same number of months that the deferment was in effect. In my case this was for 18 months, and that would give us a maturity date of XX/XX/2047. 

Please look at this issue again with more attention to detail, and give me an answer that is factual and logical. You guys have made a major arithmetic mistake to make your case and it obviously proves my side of the dispute. 

Also, please look at the attached documents ; I have annotated them in order to help you see clearly what the issue was with your last response.

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenty Bank has several account that are not mine on my report. I have disputed these account but have been unable to rectify this issue. The accounts with opened without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my Equifax consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 

CREDIT TECHNOLOGY- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX This company is in clear violation of the law. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave this company written instructions to furnish these inquires on my consumer report! 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681b ( c ) ( 1 ) and 15 USC 1681b ( c ) ( 3 ) clearly states : 15 USC 1681b ( c ) ( 1 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; 15 USC 1681b ( c ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MS

Complaint narrative:
Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, and Transunion many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.

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 2022-02-02 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: MS

Complaint narrative:
Hello I am a victim of identity theft and this is a ongoing situation. There are accounts listed XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX that are not mine or paid and needs to be removed. Many letters to the companies and credit reporting agencies were mailed to advise them of this. There seems to be a confusion on the account being association to me and I do not take responsibility for something that is not mine. I have contacted through " certified mail '' XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX many times. So tell me what gives this company the right to report false information? By reporting anything I say is false on my credit file is a violation to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX I've been working on a stock market for 2 years a little over 2 years and when the pandemic was getting everybody scared to death we were told to stay in our homes and work became a thing of the past a new virus was killing our world after surviving it and during surviving it I became bored of XXXX  and food so I wanted to I guess make a living so I hit this I tried to stock market and I never looked back but to get my money my earnings from Big banks that stole My money and other people cover up their tracks and make fake reports and stuff but just the system is always good there's a lot of people probably going to go to jail behind us I really feel bad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
I recently received a copy of my consumer report from Equifax, XXXX and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MI

Complaint narrative:
I sent TransUnion a letter requesting validation and verification of the accounts on my credit report TransUnion sent 2 broiler plate letters along with a post card all computer generated and not signed by a natural person, their is no method or process for verification or validation furnished in the communication and I did not receive any proof of verification or validation. The inaccurate information contained in the credit file has misrepresented my true credit history and it has prevented me from be able to purchase house or receive a loan to attend college.

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