vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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: WI

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on [ date you pulled your credit report ] and noticed a credit inquiry that I did not authorize. 

I contacted XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by all three lenders to determine who authorized it. 

If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

Thanks in advance for your assistance with this matter. 

Sincerely, 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 2023-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: EMCC Holdings, LLC
State: TX

Complaint narrative:
It is called Equiant finance and I did not authorize them to take a loan out for this. I have never even heard of Equiant finance when we had looked into this vacation club. Apparently it is also a mortgage which we also did not know because we were told is was a vacation club and not a mortgage or timeshare. Ive been trying to get it off my credit for a while now, and its been taken off all of my credit reports besides XXXX. I paid the balance off because it was stopping me from being able to move my family to a better house, but I still can not get approved given they havent updated that I am current and the loan is paid off. I did not allow this company to put a loan on my credit, nor was I told it was considered an open mortgage that would be passed generation to generation. This company is fraud, all of their XXXX   reviews confirm that as well. They showed us an A+ on the XXXX   but doing our own search, they were not accredited and has awful reviews saying the same thing about them putting a loan/mortgage on their credit without their consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates
State: MI

Complaint narrative:
Prince Parker and Associates have been sent a verification of debt and cease and desist letter. They also have incomplete and false information listed on my credit report making it nearly impossible to contact them. Attached is a screenshot from my XXXX credit report. This is not their correct address so how am I supposed to ensure that I can dispute this properly when I have received nothing even from this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
The Manager of this company, Eagle Loan Co in XXXX, Ohio, came to my home and knocked on my door asking for me. I did not know who he was, I have never seen him before, he was dressed up in a suit with papers. He really scared me as I did not know who he was and I told him he had the wrong XXXX XXXX A few hours later one of the office workers contacted me about past due amount, i gave her permission to use a different bank card of mine, one time only, to make a {$71.00} and that was it. I asked her if they send people out to borrower 's homes and she said that sometimes the manager of that location will go out to homes if they can't reach someone by phone. After that they continued to deduct money off of that card after they were told only the one time. 
XX/XX/2023 {$71.00} is the date & amount given permission only ; XX/XX/2023 {$140.00} was taken out, no permission given ; XX/XX/2023 {$30.00} taken out, no permission given ; and XX/XX/2023 {$70.00} taken out, no permission given. 

I have already filed a debit card dispute with XXXX XXXX & have a Case # as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: OK

Complaint narrative:
On XX/XX/2023, I started a balance transfer with US Bank credit card. I was transferring from XXXX credit card to US Bank. The check from US Bank was sent to XXXX XXXX XXXX XXXX PA XXXX in the amount of {$1900.00}, check number XXXX. Apparently XXXX 's ( old address XXXX XXXX XXXX XXXX PA, now XXXX ) no longer represents XXXX. The check has my name and account number on it that was sent to XXXX. Now that address belongs to XXXX, instead of aeeing XXXX XXXX, does not have an account with then, also seeing there is an account number and name on the check, they decided to cash the check frim US Bank meant for a balance transfer I have called several times with no real answers other than pointing fingers. The {$1900.00} is still showing on my XXXX card but is also showing on my US Bank card. 
I need the money back from XXXX in the amount of {$1900.00} or sent to US.Bank.

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 2023-04-12 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: NC

Complaint narrative:
I am authorizing this complaint on my behalf. I submitted FTC report on XX/XX/XXXX and XX/XX/XXXX for the false claims the credit bureau is reporting. 
I can't believe you guys are taking advantage of me. I AM VERY UPSET with XXXX they credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX Account # 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 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Went in store Check into Cash XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX to Cash an check. Lady at store showed the check to her manager and the manager asked me what was the check for and from and amount on the check. She she told the lady to email the check to someone and call them. She called another lady on the phone and the lady said '' I'm looking at the check now is the customer there, yes, yes it looks suspect to me, have you called the bank, no, okay tell them you tried to verify and it couldn't be verified. " So I told the that's fine give me my check since you about to lie to me and I left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but XXXX are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDIT PLUS Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: CORELOGIC INC
State: VA

Complaint narrative:
None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX 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 2023-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Sold the house on XXXX with escrow balance approximately {$1900.00}. Mortgage company said they would send balance of escrow by check within 30 to 60 days. Never received it. Mortgage company then said they would resend the check in XX/XX/2023. 
Never received it and still haven't received anything as of XX/XX/2023. Here 's an idea, send the check with tracking ( USPS or XXXX or XXXX ) so you can prove you sent it and see where it really ends up. Why does it have to be this complicated. Running out of patience. Somebody please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was my mortgage servicer. 
My job was shipped overseas and I requested from WF a loan modification. 
They offered me a " Special Forbearance '' which would have set me up for failure. 
At the end of 12 months a balloon payment for the 12 month reduction would be due along with the regular monthly loan payment. 
This offer was made to me AFTER I filed a complaint with the State of Texas Attorney General. 
I was forced to sell the property in order to avoid a foreclosure on my credit history. 
A simple loan modification would have sufficed had they just worked with me and I wouldn't be struggling with this escalating rent. 
I am seeking a settlement payment from their refusal to offer me reasonable accommodations for a loan modification.

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 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received recent copies of my credit file from XXXX, XXXX and XXXX. I spotted a company with an inquiry that I do not recognize, nor did I authorize. They have pulled my credit file with all XXXX bureaus twice, XX/XX/2022 and XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-12 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Obtained an in-house mtg with First Citizens Bank XXXX XX/XX/2022. First payment was due XX/XX/2022. Made payments early and principle payments. Principle payments were not applied accurately and charged me interest on principle payment. One payment charged me 100 % interest which is illegal. Charged me a late charge even though multiple payments were shown. No one will listen to me and said they can not fix any mistakes from last year even though I have been trying to get this fixed since last year. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX I moved to apartment and they have tied up with XXXX XXXX XXXXthey send me some email to pay money and when I was trying to pay amount, I dont know how this card applied through me. 
Then in mid XXXX I got call from XXXX XXXX XXXX customer support they state like somebody did XXXX usd traction from my account.i informed them that was not me because till that time I didnt get XXXX card so I requested them to close my account. 
They reported to their fraud department and assured me your account is closed. 
But after that I received XXXX card so I thought it closed so I though and I never used But they never closed my account and still somebody using my XXXX  account behalf of me. 
I tried calling them lots of time but still my account active and Im getting emails and mails from XXXX  for paying amount which I didnt use.

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 2023-04-12 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: AZ

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 1681. XXXX XXXX XXXX XXXX XXXX  # 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 1681c. ( 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 antedates the report by more than seven years. 15 U.S.C. 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 2023-04-12 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: MI

Complaint narrative:
In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX  ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXXDEPT OF EDUCATION ACCOUNT # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # 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 2023-04-12 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: MI

Complaint narrative:
In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION ACCOUNT # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation