vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
On XX/XX/2023 i received an email notice that my credit score dropped for experian so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for XXXX minutes they could not find my account so i called experian and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them XXXX ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the real estate industry and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help 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 2023-07-17 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have tried multiple times to correct the balance/status that Wells Fargo is showing on my credit report with XXXX, This house was sold and paid in full XX/XX/XXXX. 
XXXX is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my Wells Fargo account showing it is paid in full and balance is XXXX. No statements have been available since 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 2023-07-17 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: CT

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
i have submitted several CERTIFIED LETTERS that indicate inquiries are fraudulent and/or unauthorized multiple times and they refuse to remove them

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 2023-07-17 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: LEXISNEXIS
State: PA

Complaint narrative:
My Lexis Nexis report indicates that XXXXXXXX XXXX ran an inquiry on my report, on XX/XX/2022. 

XXXXXXXX XXXX didn't have my permission to request a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
The reason for my communication is to file a complaint against XXXX and Equifax, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by XXXX and Equifax, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with XXXX and Equifax, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, XXXX and Equifax has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by XXXX and Equifax to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against XXXX and Equifax for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MN

Complaint narrative:
I received a letter from a collection company on XX/XX/2023. It was stating that I owed money for an apartment on XXXX Nevada. I have never been to Nevada nor have i ever heard of the company that the money was owed too. I called the collection company to inquire about the charge. They were very rude and not wanting to help. They asked for personal information like last 4 numbers is social security number and when I refused to give it he got very pushy to get the information. They asked for a phone number and when I asked what they had on file it did not match my number. At this point he got angry and talked so fast with threats that I did not fully understand. I had a feeling this was a scam and he was trying to get my information so I discontinued the call. I looked up the leasing company on the letter and called the number on their website. We told her about the letter and asked if she could let us know if this was a scam or did someone rent an apartment in my name. She could not find my name in her system but asked if we could email her a copy of the letter. She said she would show her manager and get back to us with some answers. That was 3 days ago.

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 2023-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TN

Complaint narrative:
This debt collector purchased an alleged debt, but did not purchase the rights or my consent to use my private copyrighted information in commerce. CEASE AND DESISTS from using my information immediately or I will sue for COPYRIGHT INFRINGEMENT!!! 

The original creditor is a Fiscal agent of the United States dealing in securities and has certain responsibilities under the Security Exchange Act. You are attempting to collect a debt not owed. 

IRS Form 211 will be filed to Auditor this account in 15 days if these actions are not corrected immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NY

Complaint narrative:
The reason for my communication is to file a complaint against Experian and XXXX, a credit bureau, for its improper handling of fraudulent accounts that appear on my credit report. 

I recently discovered that there are accounts on my credit report, issued by Experian and XXXX, that are fraudulent and do not belong to me at all. I have become a victim of identity theft, which has significantly affected my financial situation and my emotional well-being. 

I have made several disputes directly with Experian and XXXX, providing all relevant documentation, including an identity theft report, to prove that these accounts do not belong to me. Despite my efforts, as of the date of this letter, Experian and XXXX has not acted effectively to correct this inaccurate and damaging information on my credit report. 

The presence of fraudulent accounts on my credit report negatively affects my ability to obtain credit, loans and other essential financial services. Also, as a consumer, I have a legal right to receive an accurate and up-to-date credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Although I have followed all procedures required by Experian and XXXX to dispute these accounts, I have not received a satisfactory response and the incorrect information has not been removed from my credit report. 

Therefore, I request the intervention of the Consumer Financial Protection Bureau to investigate this situation and take appropriate action against Experian and XXXX for not complying with the regulations established by the FCRA. I also ask that you ensure that my credit report is corrected and that these fraudulent accounts are removed immediately. 

I am enclosing the identity theft letter again. 

I sincerely appreciate your attention and assistance in this matter. I hope the Consumer Financial Protection Bureau can help me resolve this situation and ensure that my rights as a consumer are respected. 

Please provide a written response once you have completed your investigation.

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 2023-07-17 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: LEXISNEXIS
State: PA

Complaint narrative:
My Lexis Nexis report indicates that XXXX XXXX ran a inquiry on my report, on XX/XX/2022. At this time, my Lexis Nexis file was frozen. 


XXXX XXXX didn't have my permission to request a report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: CT

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing this personal statement to address the issue of XXXX that are currently listed on my credit report. It has come to my attention that these XXXX are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these XXXX should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.

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 2023-07-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
i have submitted multiple letters disputing inquiries and certified letters the reporting agemcy refuses to remove them

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Request to Update Credit Card Balance Information Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to request an update to the credit card balance information associated with my credit profile. I recently noticed that the balance reported on my credit report does not reflect the accurate current balance on my credit card. 

Please find below the details regarding my credit card account : Credit Card Issuer : Revvi Statement Closing Date : XXXX Current Credit Card Balance : {$3.00} XXXX kindly request you to update my credit card balance to reflect the most up-to-date information. This correction is crucial as it directly impacts my creditworthiness and financial standing. I have taken necessary steps to ensure that my credit card payments are made on time and in full. 

Enclosed with this letter, please find supporting documents such as recent credit card statements or any other relevant information that may assist you in updating the balance accurately. 

If there are any additional procedures or forms that I need to complete to facilitate this update, please let me know at your earliest convenience. I understand the importance of accurate credit reporting and would appreciate your prompt attention to this matter. 

Thank you for your prompt assistance in resolving this matter. I trust that you will handle my request with the utmost professionalism and efficiency. 

Should you require any further information or have any questions, please do not hesitate to contact me at XXXX or via email at XXXX. 

I look forward to a positive resolution to this issue and thank you in advance for your cooperation. 

Sincerely, [ Your Name ]

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 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KY

Complaint narrative:
I called them on XX/XX/2023, the day that the issue came up, and I've called them and, as directed by the company, reached out through the app for support almost daily ... I know it was for XXXX or XXXX days in a roll, then off and on again till again today, XX/XX/2023. The company said they couldn't verify my ID and wouldn't help with any questions regarding that situation but offered to help with any other issues but not the one at hand ... Plus, the next time I went to log into my account, it said I couldn't be verified, and it made me make a new account using the email that was already assigned to my already existing account, so now I'm not sure where or how to get access to it and my funds that are in it. On XX/XX/2023, XXXX XXXX sent me {$230.00} to pay for fireworks bought from the Fireworks stand I was in charge of as a XXXX So, with that said, at the end of the season, I had to pay out of my pocket {$230.00} for the fireworks that were purchased that weren't mine because I couldn't access the funds sent for them. The account is a ghost account. It was never officially set up or activated. This has also been brought to the company 's attention, yet they are not budging on granting access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: IL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
this is regarding our business checking account with Bank of America ( which we've been a customer of for over 30 years ) : On XX/XX/XXXX two small electronic deposits were made in the amounts of XXXX cents and XXXX cents, the depositor was listed as 'XXXX XXXX, later that day, an unauthorized withdrawal of {$9000.00} was made by XXXX XXXX ', and then again in the same day, another withdrawal was made in the amount of XXXX cents by XXXX ( equal to the XXXXwo earlier deposits ). A week later on XX/XX/XXXX, two more deposits were made in the amount of XXXX cents and XXXX cents, again by XXXX, and then later in the day another unauthorized electronic withdrawal was made in the amount of {$15000.00} by XXXX XXXX, later in the day another withdrawal of XXXX cents was made by XXXX ( total of two earlier deposits ), then a week later on XX/XX/XXXX another unauthorized withdrawal of {$12000.00} was made again by XXXX XXXX. Because we hadn't checked our account online in that two week period, we hadn't noticed until we received our paper statement in the mail that these unauthorized withdrawals were made. We alerted BoA 's fraud dept. ( which by the way takes over an hour of wait time to finally reach someone ) and filed a police report. BoA, initially said it would take up to 12 days to resolve it, we called back to check on the status of the claim and they then said it could take up to 30 days, called back later and then said up to 60 or 90 days. It's been about 95 days, we call and they say a decision has been made but won't tell us what it is. we called over 10 business days ago and they said they would tell us in 10 days, it's been over 10 business days and they say they might call us at the end of the week. We can't get answers from anyone, these hackers wiped out our entire account, and being a small business, we can't afford to lose {$36000.00} and BoA apparently doesn't care one bit. How does BoA not flag those initial deposits as suspicious? If my credit card has a suspicious charge like that, they flag it and freeze the card, but BoA has no security measures of any kind.

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 monetary relief
Consumer complaint received 2023-07-17 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: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
My XXXX XXXX report indicates that Dollar Bank ran an inquiry on my report, on XX/XX/2022. 

Dollar Bank didn't have my permission to request a report.

Company response to consumer: Closed with explanation