vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: OH

Complaint narrative:
The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY Tenant

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 2022-05-13 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: OH

Complaint narrative:
The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX  and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX  XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY Tenant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

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 2022-05-13 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: FL

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

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 2022-05-13 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: VA

Complaint narrative:
I originally reached out to Experian on in XX/XX/2022 regarding incorrect reporting of a collection account on my credit report. XXXX XXXX is a collection agency that agreed to remove the credit file on all 3 credit bureaus once I paid an amount we agreed upon for settlement. They sent me a letter showing that they agreed to that as well. Experian updated that the account was settled, but did not remove it. I submitted a dispute, and attached the letter from XXXX showing the account was settled and that they agreed to remove it from my credit report completely. Experian completed their investigation in 1 week and told they wouldn't remove it. I called in, spoke to a specialist at Experian and they re-opened the case on XX/XX/2022 and advised it was supposed to be removed. They have completed the the investigation again, and still have not removed it from my credit report. The dispute number is # XXXX and the report number is XXXX. I have the letter from the credit collection company showing they agreed to remove it from my credit report completely with payment, and Experian isn't removing it which is a violation of my rights as a consumer and they are not following fair reporting practices.

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 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal once again closed/permanently limited my account for no valid reason ( a day ago ) ..Tried to submit some valid documents but they just declined and suddenly blocked my account. Many times tried to ask or beg to reopen or atleast to release my money inside the account ( everything the stories i told to them ) but no sense at all ... Those little money just i worked hard for some online transactions so i won't see anything wrong with that..My PayPal account : XXXX. 
Thanks and regards..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: NC

Complaint narrative:
Multiple Disputes letter sent XXXX XX/XX/2022 Got Update From TRANSUNION XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish 15 USC 1681b. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND

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 2022-05-13 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-05-13 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: NC

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 I did not authorize the credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: NC

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX MO XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal 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 2022-05-13 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: NC

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX XXXXnquiry dateXXXX XXXX XXXX  Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
In multiple instances over the past months, I've contacted " The Money Source '' about our existing mortgage, in regards to removing PMI or Private Mortgage Insurance. 

Given the values, and appraisals rising on comparable home sales, I would like to see my PMI removed from the loan, since we will be below 80 % LTV now, with our outstanding balance being below XXXX XXXX 

They told me that once I paid an evaluation/appraisal fee of XXXX dollars, they would do their work to ensure the property reaches the threshold needed ( {$270.00}, xxx ) given our remaining balance, to reach 80 % Loan to Value. These fund have been paid for this purpose by myself and my wife. 

I've been told on several occasions that the work has been completed and the PMI is in process of removing. Since those instances, I was contacted and told that they are awaiting me to give further documentation of " upgrades to the property '', ( which is not needed, and they've also given contradictory stories on this ). This may be something THEY would like to see, but is not required. 
After speaking with someone in a supervisory role, they said that they do not work in the department that sends out the appraiser/evaluator that does the valuation, but that they would contact me to schedule this. I have not yet been contacted for this purpose, or at all. 

I feel like I am getting passed around and getting the 'run-around '. 

Once a consumer request removal and the loan reaches 80 % Loan to Value, it must be removed per RESPA/various other acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I just moved to the XXXX, North Carolina area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. 

After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. 

As soon as I notice the first charge I reached out to my bank, Robinhood, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my XXXX location I was in the area ( which is true because I just moved to XXXX and live in the metropolitan area within two miles of a large number of bars in the area ) I have still never been to XXXX XXXX XXXXXXXX but did reach out to the company to try and get their help after Robinhood sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to contact Robinhood multiple times and have repeatedly been told that their dispute department would contact me. I have been waiting for a week now for a callback that I was told I would receive this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Copy of transcript from XXXX XXXX, the identity theft protection service to which I subscribe : Hello XXXX, Attached is our XXXX XXXX XXXX XXXX, which is being sent to you regarding the unrecognized alert for SEQUIUM ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ), SEQUIUM ASSET SOLUTI ( XXXX XXXX ) collection XX/XX/2022 ( XXXX ), XXXX XXXX ( xxxxxx XXXX ) collection XX/XX/2022 ( XXXX ). Be sure to login to your XXXX XXXXXXXX account at www.idwatchdog.com to review your recent 3-Bureau credit report before completing the kit. 

Please specify these on your police report, FTC report, and identity theft details page. 

Before completing the attached kit, you will need to contact the collection agency directly ( SEQUIUM XXXX, XXXX XXXX XXXXXXXX ) for specific account information, such as who the original creditor is. After speaking with them, if you still do not recognize the account or the original creditor our Identity Theft Resolution Kit may be completed for resolution assistance. 

Email the completed XXXX XXXXXXXX XXXXXXXX XXXX to begin the resolution process. Reply to this secure encrypted email when your documents are complete. If you have any questions or are not able to send your documents electronically, please call me directly at XXXX. 

Sincerely, XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX. Guaranteed. 
XXXX XXXX  XXXX XXXX XXXX - XXXX, Colorado XXXX T : XXXX Fax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I attempted to purchased clothing from XXXX XXXX XXXX, located on XXXX XXXX XXXX / XXXX XXXX, Florida for a total of {$4800.00} a while back ( don't have receipt ), because I was in XXXX XXXXXXXX, shortly after this transaction occurred & my belongings ( to include my wallet ) were misplaced & subsequently lost. I paid with Wells Fargo Debit card. I contacted Wells Fargo regarding this transaction and was told by Wells Fargo, merchandise / items I purchased were being sent to me. I have never received anything from this merchant and requested reimbursement of {$4800.00}. Please review your records> Thank you for prompt attention to the matter. 

Thanks ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2022-05-13 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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation