vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
N accordance with the fair credit reporting act 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 instruction.

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 2023-02-21 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: NY

Complaint narrative:
I never gave Transunion my XXXX written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

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 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had charged-off status on an account that I was sure was not a charged-off. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. verify and fix this account : XXXX XXXX XXXX .... Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank Loan # XXXX CA Mortgage Relief XXXX Approved in XX/XX/XXXX Around {$14000.00} Paid directly to Wells Fargo Bank CA Mortgage Relief current application XXXX I am respectfully requesting your kind assistance for my home loan modification with Wells Fargo Bank. I applied for the home loan modification in XX/XX/XXXX and have submitted all the required documents as requested. On XX/XX/XXXX, Wells Fargo Bank sent a " DENIAL '' letter stating they will not process this request because I filed a Federal Complaint with the Consumer Financing Protection Bureau. California Mortgage Relief XXXX paid approximately {$14000.00} around XX/XX/XXXX that was paid directly to Wells Fargo Bank XXXX I applied for a new claim to California Mortgage Relief XXXX on XXXX XXXX. 

I am a XXXX XXXX in XXXX XXXX, XXXX  and work tirelessly days and nights to provide income. Safety is a major concern. I am taking care of my XXXX XXXX XXXX XXXX daughter and my XXXX XXXX XXXX daughter.

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 2023-02-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed an incorrect collection account on Equifax.com on XX/XX/2023 and the investigation was completed on XX/XX/2023. Equifax claims that it was reported correctly, but it was not and is still incorrect. The amount and date of first delinquency are both incorrect. This is also a medical debt that is under {$500.00} and I was under the impression that this type of debt would no longer be included on credit reports, according to the XXXX  website, " In the first half of XXXX, Equifax, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. '' and this debt was reported on XX/XX/2023 so I do not understand why it is being included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had charged-off status on an account that I was sure was not a charged-off. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. verify and fix this account : XXXX XXXX XXXX .... Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2023-02-21 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: AR

Complaint narrative:
I am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On this auto loan, I wasn't late. I request that all past-due payments be changed to " PAID AS AGREED '' and that a DELETION of each late payment be done right away to stop future damage to my consumer credit reputation. 

Account Name : XXXX XXXX XXXX ACCOUNT NUMBER 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 2023-02-21 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX XXXX , ; MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  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 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery Association {$660.00} Company has unautherized parked debt on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: FL

Complaint narrative:
A recent review of my credit report revealed a collection account from Nelson Cruz and Associates with a date of 2016 which is past the statute of limitations to collect debt in the state of Florida, this company is not licensed to collect debt in Florida and I have no knowledge of this unverified debt. I want this debt removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
I humbly ask that under the new law passed XX/XX/2022 concerning medical debt under {$500.00} that my collections debt of {$130.00} account # XXXX from Wakefield & associates be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
N accordance with the fair credit reporting act XXXX XXXX credit # 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 w
ithout my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2022, I opened an Accelerate Savings Account with Citi. I was responding to an offer to receive a {$300.00} promotional bonus if {$30000.00} was deposited within 20 days of opening the account and then maintained in the account for an additional 60 days. The bonus also required I have a CITI credit card that was in good standing. All conditions were met and Citi is refusing to pay the bonus. They first stated the account was not opened until Monday the XXXX of XXXX. I have a printout of the account number they assigned showing XX/XX/2022, a Sunday. After I discussed that with a customer service representative, they opened a case. The letter I received closing the case stated my account was a basic Money Market account and did not qualify because it was not an Accelerate Savings account. All of my statements from them reflect this account as an Accelerate Savings. I have received similar promotions from other banks and they deposit the bonus as soon as the requirements are met. Citi has now been withholding the bonus and therefore I also have not earned interest on that {$300.00} because they are not upholding their terms of the agreement.

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. 
On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. 
I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. 
I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock 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