vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MI

Complaint narrative:
There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

Credco XXXX XXXX XXXX XXXX  XX/XX/XXXX, AND XX/XX/2022 2022

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 2022-11-04 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: NY

Complaint narrative:
On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating that I owed them money for opening account # with a fraudulent check in the amount of {$500.00}, demanding that I pay this money back to them in addition to a {$10.00} fee. I contacted them by phone immediately, and was told that someone opened an account in my name. I explained that I never heard of that bank, nor had I ever opened an account with this bank. I asked what recourse I might have. They said I should write them a letter via email, as well as report it to FTC. They also stated that they had already flagged said account for Fraud. 

I reported it to FTC. I called the credit reporting agencies, asked for copies of my report and had my account flagged by the 3 credit unions. I also sent copies of the letter I received from them to XXXX XXXX XXXX  via email. Once again I explained I had never heard of their bank, and did not open this account. I also told them that had they done their due diligence this never would have happened because several years ago my name had been found on the XXXX XXXX therefore my credit had been locked for years. Had they actually attempted to do a credit report before allowing someone to open an account in my name they would have found that the report was locked. 

I received a response from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX ext. XXXX XXXX # : XXXX XXXX XXXX XXXX stated that she had forwarded this information to their Internal Fraud Department for processing. On XX/XX/XXXX I wrote her again requesting that they close this fraudulent account and send me a letter confirming that this account is not mine, and that I am not liable for this account. I also asked that it be removed from my credit report. She replied, " The fraud department will be providing the letter. I have sent this on to them. I do not have an estimated timeframe for exactly when that will occur ''. 

I have yet to receive any such notice, and continue to receive notices from this bank stating the account continues to be overdrawn with a negative balance, and that the account will be closed at XXXX dats, They state that the outstanding balance will be reported to a collection agency and the appropriate credit reporting agencies. 

I would like this account closed immediately. I would like to have a letter acknowledging that this is a fraudulent account for which I am not liable, and I would like assurance that this will not be placed on credit report. Can you please assist me?

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 2022-11-04 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: MI

Complaint narrative:
There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX, AND XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as XXXX, Transunion and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from XXXX and Transunion. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. Transunion is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C Transunion is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. Transunion is stating that I made no payments on this account which clearly contradicts everything

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 2022-11-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as Equifax, XXXX and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from Equifax and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, Equifax is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all 3 of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that Equifax deleted this account because it is inaccurate. 

Exhibit D Equifax is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. Equifax is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: DC

Complaint narrative:
Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. These violation of my rights are grounds for removal. My rights were further violated because 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 Fair Collections and outsourcing debt verifications are fraudulent. I have requested a proper investigation into this account and none have taken place. XXXX is attempting to collected a debt for XXXX XXXX that I do no owe. Their documents say that I relocated from their property in XXXX XXXX. When in fact I relocated from this Property some 3 months earlier in XX/XX/XXXX. I have provided supporting documentation. The same documents I once provided XXXX but they refused to remove the fraudulent account from my report. I am not responsible for this debt and have made several attempts to remove it. I made my last full rental payment to XXXX XXXX on XX/XX/XXXX. With no remaining balances. and full months rent of my security deposit was never returned to me. The debt verification provided by fair collections and outsourcing is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
( b ) Opt out ( 1 ) In XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : BANK OF AMERICA, N.A.- 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 2022-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Financial Bank is trying to contact a XXXX XXXX to collect debts. Ally is now calling both my wife and my phones to get in contact with him. We have informed them on multiple occasions that while I do know who XXXX is, I do not know his location nor a way to contact him. I have requested that they no longer contact either me or my wife. They continue to call. 

As of today, I have never had an account or debt with Ally Financial. Also, now when they are calling they are not up front in identifying who they are with or that this call is an attempt to collect a debt. They are calling from 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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I applied for an application but was declined, however the company is refusing to provide a reason in violation of XXXX. I need to know why my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: AL

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX XXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX XXXX # # # XXXX, XXXX XXXX CO XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen 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 explanation
Consumer complaint received 2022-11-04 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: AL

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX TXXXXXXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX # # # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
According to the Fair Credit Reporting account, XXXX Account 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. 

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-11-04 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: PA

Complaint narrative:
According to the Fair Credit Reporting account, XXXX Account 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. 

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has made false statements and has lied to me. They have alleged they investigated my dispute and " verified '' that the disputes were accurate twice. I did not dispute based on needing verification of debt. I laid out specific laws that Transunion and those companies have violated and for TransUnion to investigate based on those laws. In my discussion with TransUnion 's chat agent who submitted my dispute, after telling her why I disputed the accounts and the associated laws I was disputing those in accordance to, I verified with her to ensure my dispute was based on what I said and she stated that she submitted it as I disputed it. A few weeks later go by and I get a missed voicemail from Transunion Telling me that my dispute was complete and the items had been deleted and XXXX was corrected to XXXX. I confirm with another agent because my credit report did not change. This agent confirms that Transunion did not go by my original dispute but investigated on other terms and reasons Transunion had established. Transunion has now falsely stated that they verified information when I did not request verification and I was lied to by the original agent who submitted my dispute. I have reached out via email to complain about these misleading practices to their Vice President of Consumer Relations XXXX XXXX twice and never heard a response from her. The executive team has now relaunched a third investigation claiming that they could not see my supporting documents. This has hurt my credit worthiness and has damaged my potential to obtain sufficient and adequate housing. It is not okay for Transunion to be deceptive when it comes to Consumers disputing items especially when they are blatantly lying about what they are basing their investigation on. If a consumer submits specific reasons for disputing inaccuracies and error Transunion should not disregard those specific reasons and come up with their own.

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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
I have used TransferWise, or now Wise to transfer money from the XXXX to XXXX, with most transfers to my XXXX bank account from my XXXXXXXX XXXX account, personal accounts A few months ago, after XXXX years of these transfers, I found that they had lost the original ID documentation and wanted to to through the process again. It required passport, drivers license, photographs and other methods. As their own regulations state that my account, bank to bank, does not require ID since both banks have in-person ID verification I contacted them, stating their own regulations. 

XXXX XXXX XXXXXXXX They refuse to budge. As I'm in the computer security business I have serious concerns about their alleged security, so do not want to do it. I already had a phisher try to get into my PC as they had apparently intercepted communications and knew all about the problem. Naturally Wise claims that they are perfect. 

I have even offered a local notary documenting my ID or a conference call with my bank manager with me in person in the bank, but they refuse to accomdate. 

My experience with the software that they use is that it doesn't actually work propertly so I don't want to spend weeks going back and forth, since I've used them for years without incident. 

Can you intercede please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: KS

Complaint narrative:
A company named First Credit Services has called me daily and repeatedly during my work hours, often twice or three times a day from different numbers. I believe this is related to a resolved issue related to a gym membership at XXXX XXXX in XXXX, KS. I paid the outstanding charges to the company and have not heard from them since. 

I have attempted to contact First Credit Services using the number given in the voicemails, XXXX. I have also attempted to contact the company using the number on their website XXXX XXXX. Neither call was able to be completed. 

I have records of repeated calls for 5 days in a row occurring from XXXXXXXX XXXX  to XXXX. If I can't reach this company through their provided numbers then I have no idea how to dispute this debt.

Company response to consumer: Closed with explanation