vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX XXXX  on XXXX XXXX with a balance of XXXX account number XXXX, XXXX XXXX opened XXXX XXXX account numberXXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
Dear CFPB I am writing to formally lodge a complaint against United Auto Credit and an individual named XXXX XXXX for their persistent and coercive attempts to force me to co-sign an auto loan for XXXX XXXX and XXXX XXXX, whom I believe to be con artists. 

Since 2019, I have been subjected to continuous and unwelcome phone calls from United Auto Credit and XXXX XXXX, pressuring me to co-sign an auto loan for the XXXX. Despite my repeated refusals and clear communication of my unwillingness to participate in this arrangement, their attempts have not ceased. This has now escalated to a boiling point, with the pressure becoming unbearable as of today. 

I firmly believe that XXXX XXXX, in conjunction with United Auto Credit, is collaborating with XXXX XXXX and XXXX XXXX in an effort to scam my credit. The relentless nature of their coercion and the dubious character of the XXXX strongly suggest a concerted effort to exploit my creditworthiness for fraudulent purposes. 

I respectfully request that your offices investigate this matter promptly and take appropriate action to protect consumers from such unscrupulous practices. The ongoing harassment and pressure to participate in a potentially fraudulent transaction have caused me significant distress and concern for the security of my personal financial information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several inaccuracies and unauthorized information/accounts reporting to my credit report. These comments have negatively impacted both my life and credit standing.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several inaccuracies and unauthorized information/accounts reporting to my credit report. These comments have negatively impacted both my life and credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: WI

Complaint narrative:
CFPB report prior to current filed with not identified response reiterated through a view of retaliation in a routine manner for a not new amount of XXXX with a portioned check from XXXX XXXX legitimate or to the view or scene not. Money voluntarily paid and during aspect of XXXX  XXXX  while contemplating over XXXX XXXX  application and death of second girlfriend. Keeping relations of fortitude with balancing legitimacy between previous papers if not dictated over and distributed with economic caution along with acknowledging previous XXXX XXXX  distributed by loss of loved people, was viewed as possible and identifiable advantage moment. This moment was then financially overcompensated which was to be {$1000.00}. Then, a new checked balance {$170.00} was as to be and sent over in a elbow shove with CFBP paperwork. Check in hand made out me, and signed through acts of forgery subscribed to the ownership of my personal matters. I would like to send check voided paper non landscape font copy to CFPB. XXXX XXXXXXXX XXXX XXXX XXXX  seems to be to distributed bank of not choice, but explicated option of a pour over again mentality. Check sent to US Bank received onto me or to me was comprised of total summed {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received two letters from the above-mentioned office prepared on XXXX XXXX XXXX XXXX. One letter asks to return the identification information along with this letter, which shows that the sender requested the fraud alert, even though recent CFPB review has mentioned the alert is already on my credit. Since I have not changed my phone at all for years before the Pandemic, I do not have to ask the addition to the credit report. Even though the credit which you mentioned in the letter is not clear, I do not have any intention to open new credit card with any stores, especially, with which recently closed my credit card without any formal request from my side. Since I never requested the addition of my phone number and opening of credit ( card ), I insist the person who requested these matters should be an impersonate of mine, XXXX XXXX. Please notify the appropriate public organization. Meanwhile, I will submit this letter to the CFPB and other public organization for the investigation. 
Another letter also asked the submission of personal information, even asking to enlarge photocopies. Since my copy machine does not have any function to enlarge, I will not submit them, especially, your office is asking to send the address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Since I have officially recognized as suitable for the data breach settlement of your company, I will not send this information except above-mentioned address with enlarged copies. 
Lastly, I have checked the review submitted to CFPB on the report ( XXXX ) regarding XXXX Since the account was officially closed by XXXX XXXX  itself and I had received the refund upon the closing, I do not understand why the concern to add more information of Equifax credit report was mentioned there. Since I do not have any intention to open another credit card with this XXXX XXXX XXXX, I do not expect any further movement on the record of this store card. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Payment amount {$640.00} Payment date XX/XX/year> XXXX account number XXXX Current creditor XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX Original creditor XXXX XXXX Bank, XXXX. 
XXXX XXXX XXXX, XXXX. account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
During the XXXX XXXX I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and XXXX Mail to XXXX, EXPERIAN, and XXXX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo ( my bank since XXXX ) mailed two wire transfers to the XXXX XXXX XXXX in XXXX XXXX, CA ; one in the amount of {$10000.00} and the other in the amount of {$15000.00} without my authorization. 

Wells Fargo indicated there is no fraud and they take no responsibility. 
I have requested for these funds to be returned to me as I never have authorized this fraudulent transaction. 

For more details, I can forward the policy report I filed in the city of XXXX XXXX, CA where I reside. 

Also, I now have come to find out that WELLS FARGO is responding similarly to others suffering from the fraud experience as published the news media.

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 2024-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received a notification that I had a debt with XXXX. I told the caller that it was not me and that I have a different phone provider. I then receive a mark on my credit report a year later and the company they gave it to does not have any information to provide me. It is not my debt and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
About a year ago, I paid nearly {$12000.00} for a trip scheduled for this month. Several months ago, the trip was canceled, and the money refunded to my credit card at Wells Fargo. Last month, another canceled trip resulted in an {$800.00} refund. That refund also went to my Wells Fargo credit cardI. I have asked Wells Fargo repeatedly to send me the refund, and they said they would, but they have not. As a result, I have a credit balance of more than {$12000.00} on a card I rarely use, and I want the cash instead of having it sit there as a bank credit. I need you to make Wells Fargo send me the refund without further delay. They also should have to pay me interest for the delay.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have filled out a 1099c form regarding this student loan, it was submitted XX/XX/year> and I have attached evidence that it was accepted by the IRS XXXX XXXX and mailed to them XXXX XXXX. This company has not updated my account to paid as agreed. 

I have tried to settle this matter for more than 2 months with the company, credit agencies as well as the companies trustee/indenture trustee as this is also a securities fraud matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX continues to report my payments as late, even though I am paying as agreed. I am the co-signer on the account and have been forced to repay due to the other party backing out of their obligation. My credit is being destroyed EVERY SINGLE MONTH by Credit Acceptance. I am paying bi-weekly which is more than the original payment is. I would try and refinance but my credit is tanked EVERY SINGLE MONTH by them reporting it as a late payment. I recently tried to apply for a mortgage and I was told my denial was solely based on this car loan from Credit Acceptance. 

I would like to try and work something out, but everyone there in every department simply says these are the rules and they can not report my payments as timely because of the balance due. I am paying as agreed, and the amount is more than the original monthly payment is.

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 2024-06-04 00:00:00
Product: Credit reporting 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:
As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.

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