vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
-Experian Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX  Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX  , PA XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 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: MD

Complaint narrative:
I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: MD

Complaint narrative:
I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a XXXX year old retired female who does not have an account with XXXX and a series of charges totaling over {$600.00} from XXXX appeared in my Credit Card with Chase. 

I contacted XXXX to report the issue and since I do not have an account with them, they were unable to release any information about the charges even though my credit card was the one charged. XXXX advice me to contact Chase. 

During the period of the investigation, all of the charges were credited back, and after about 30 days I called customer service to ask if said credits were final ; they told me yes, not to worry. Then, the next billing statement came and all disputed charges were added back. later I received a letter stating that the investigation concluded that all charges were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Professional Credit Management, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: RS Clark and Associates, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... RS CLARK ASC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX GM FINANCIAL XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CT

Complaint narrative:
I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CT

Complaint narrative:
I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX /XXXX  XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CT

Complaint narrative:
I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX /XXXX  XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefield associates keeps putting fraudulent charges for medical that I NEVER RECIEVED. I HAVE insurance and none of these are associated with any drs or services recieved. 
I have repeatedly proven my identity to XXXX. In turn they sent my real ids to them. I have the email. Now they can really steal my id. This is screwing my life completely up. XXXX is not investigating these disputes. 
I want all recently submitted reinvestigated. 
XXXX  provided these companies with my real info, I'm turn they are applying them differently now. This is a violation of the privacy act an fair credit act I will be seeking legal. 
I want these fraudulent claims removed. 

The other bureaus investigated and removed, therefore something is fishy from the get go. 
XXXX XXXX  notified me the day I uploaded last id they sent to false XXXX. 
I need my rights supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX XXXX , OH XXXX Transunion  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -Equifax Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX ,  OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
We were with XXXX in XXXX, sold to XXXX  XXXX XXXX. In XXXX, in the MIDDLE of a " promised '' modification, we were sold to XXXX XXXX XXXX. 

Bank of NY Mellon supposedly holds the note ( see attached ). We have repeatedly asked for the location of the note with no response. Most recently we sent a certified letter received by BNY Mellon but NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
I never had this conversation. I never authorized this payment. I cancelled it just by chance seeing that it would have been taken out of my bank account. My wages are already garnished. They have sued me, garnished my wages, harassed me at work, etc. It never ends. I have paid XXXX + on these loans. With interest the way it is I will never pay them off. It has affected my credit score, ability to buy a home, afford a car, afford to rent. Enclosed is the email I got today. Again, this conversation never took place. 
" Dear XXXX : During our telephone conversation on XX/XX/2021, you authorized us to make a one-time debit from the checking/savings account below to pay your student loans. 

Payment Details Borrower Name : XXXX XXXX XXXX Payment Amount : {$86.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Primary Name on Checking/Savings Account : XXXX XXXX XXXX Confirmation Number : XXXX Please retain your Confirmation Number as receipt of payment. 

The Payment Date above is the date on which we will apply the payment to your student loans. However, please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. 

PLEASE NOTE : Your telephone authorization does not permit us to make any debits other than this one-time request. It remains your responsibility to make payments according to the terms and conditions of your promissory notes. 

QUESTIONS? 
If you need further assistance, please visit http : //www.aessuccess.org/contact/index.shtml and choose a contact option. If you prefer to email us, the best course of action is to sign in to Account Access and submit your email using the " Contact Us '' feature.

=============================================================== Do not reply to this email. If you have questions regarding this email, please contact our technical support staff at XXXX. 

This email contains privileged and confidential information intended for the above addressee only. If you received this email in error, please delete or destroy this email and/or attachments. 

AES will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this email.<p style= '' text-align : left ; '' >NMLS # XXXX <a href= '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =============================================================== ====================================================================== The information transmitted is intended only for the person or entity to whom it is addressed and may contain confidential material. Any use of this information other than by the intended recipient is prohibited. If you receive this message in error, please send a reply e-mail to the sender and delete the material from any and all computers. 

Code : PHEAA ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: GA

Complaint narrative:
On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: GA

Complaint narrative:
On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Step 1 : What is this complaint about? Cash app & XXXX XXXX  XXXX Step 2 : What type of problem are you having? 
Getting my money returned to me Step 3 : What happened? 

Amount : {$190.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized : cash app scam from someone who told me if I send {$200.00} then I get back {$2800.00}. Once I sent the money they claimed I need to send more to verify my identity. The lady is using a fake cash app and fake XXXX name Amount : {$400.00} Date & time : XX/XX/26 XXXX XXXX Unauthorized charge : cash app bitcoin scam and now the person wont respond to any of my messages to get my money back Step 4 : What company is this complaint about? Cash app and XXXX XXXX  XXXX XXXX 5 : Who are you submitting this complaint for? me

Company response to consumer: Closed with explanation