vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
XX/XX/2021 my wife and I needed a new furnace ir heat system according to XXXX XXXX. We applied to get the funding needed for the new system. We were turned down because of a low credit score. My wife talked to her parents to see if the could " cosign, '' for the loan. Information was given to XXXX XXXX representative and my father-in-law 's information was submitted to Wells Fargo under the pretense that my father-in-law was going to be the cosigner. The amount of the money needed to do the job was quoted at {$12000.00}. Both of us were notified that the loan was approved. We later found out that Wells Fargo was not provided with any of my information as the primary also my father-in-law 's Wells Fargo account was attached to the loan to which none of that information was given as I was there when the information was given to XXXX XXXX. 
I have been making the set up payments on the account but not getting credit for the payments on my credit report which is what has my in-laws bothered about. I have been told in order to fix this issue the account has to be closed and new application resubmitted. 
I feel that this was not handled in the manner that was specifically talked about prior to the application being submitted and further shoild have never had my father-in-law 's account attached to this. XXXX XXXX had my XXXX XXXX XXXX information not the Wells Fargo information. 
I do hope to get this all corrected 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 2021-07-15 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After hours on the phone with multiple agents, Experion has been unable to accept an disput eover the phone. They say they can not see the details of my account even though I have provided my personal information and Experion Membership number. I can see the collection item in dispute when I log in to my Experion Account. Experion is saying they can not see anything except my name so I am unable to dispute the collection posting. 

I have attached the documentation of the dispute.

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 2021-07-15 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: TX

Complaint narrative:
I have attempted to contact the creditors as well as the credit bureaus directly with no resolve. Most recent attempt was today XX/XX/XXXX. Previous attempt was XX/XX/XXXX. I have frozen my accounts as well. 

Transunion : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have two XXXX  showing only one correct is XX/XX/XXXX ( not correct is following XX/XX/XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX & XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.

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 2021-07-15 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
These companies failed to respond to my debt validation letter within 30 days to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NY

Complaint narrative:
XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by XXXX, and my personal information may have gotten in the hands of the wrong persons.

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 2021-07-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by Equifax, and my personal information may have gotten in the hands of the wrong persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX they also have records of files that are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: PA

Complaint narrative:
These are unauthorized inquires on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, 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 Transunion any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX, I applied for my annual credit reports via phone number XXXX XXXX. I have been doing this for over ten years.I received my credit reports from XXXX  and XXXX. I did not receive a credit report from Equifax. Equifax sent me a letter stating that they were unable to locate a credit file in their database with the identification I provided. Equifax stated that I needed to send them documentation in the mail. I wrote to Equifax and stated that I did not want to send personal information through the mail. I also stated in my letter that XXXX  and XXXX  used the same information I provided Equifax and sent my credit reports. To date, I have not heard from Equifax since mailing my letter to them on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: FL

Complaint narrative:
fdcpa letter and ftc report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
please check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

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 2021-07-15 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: AZ

Complaint narrative:
Equifax refuses to remove unauthorized in queries from my credit report after informing them that Ive been a victim go identity theft and that my personal information was leaked onto the " dark web ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CITIBANK, N.A.
State: HI

Complaint narrative:
Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} Macys XX/XX/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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX., XXXX., in accordance with basel 3 accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I made a payment of {$100.00} from my XXXX  XXXX XXXX Bank account to my Capital One ( Venture One ) Credit card ending in XXXX. I decided to cancel that payment due to low funds and instead paid {$150.00} from my XXXX XXXX XXXX XXXX bank account. The payment was accepted, but on XX/XX/XXXX the payment was returned and on XX/XX/XXXX my autopayment of {$50.00} was declined without my knowledge or consent, and that same day they charged me {$38.00} late fee. In XX/XX/XXXX the {$50.00} autopayment was made and I paid an extra {$270.00} on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the {$50.00} autopayments were made but {$40.00} past due fees were charged to my account. On XX/XX/XXXX I reviewed my account and saw the extra charges and that the payments were returned in XXXX. I called Capital One customer service and they said that the payment from XXXX XXXX was returned because I had never paid with that account. They had no reason why the autopayment was declined but the Representative said she could not help me. This was all reported to the credit bureau. I immediately began paying the account off and I sent Capital One a letter requesting that they correct their reports to the credit bureau. After a month and a half, they sent a letter declining my requests. I believe Capital One is engaging in unfair and deceptive practices in order to receive late fees, and to cause consumers ' credit scores to go down so that they can increase their percentage rate. This is exactly what they did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM they also have records of files that are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
Certified letters were mailed to XXXX, Equifax & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MiraMed Revenue Group LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX was never sent to me, I never received bill or phone call and suddenly saw a bill collection of {$170.00} in my credit report. I called the company Transworld Systems XXXX XXXX XXXX XXXX, XXXX, DE XXXX ), Account XXXX and they said it was a XXXX XXXX initial medical bill, they didn't even have my correct address. Company refused to delete entry in my credit even though they admitted they never sent out the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with TRANS UNION, XXXX, XXXX they also have records of files that are wrong.

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 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
please check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX  This is not mine.

15. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation