vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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 believe my information is being used fraudulently. I have disputed the following inquiries before and Experian refuses to take them off my report, as I did not give my written consent for these to have been on my report nor for these companies to have pulled my report. I feel like I am being taken advantage of and my requests are being denied. PLEASE REMOVE : 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 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 2023-04-18 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:
It appears that my file has been compromised. Again, I was going through my records & noticed that some of the information was erroneous. Under section 605b of the FCRA you are required by law to delete the account, as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: MD

Complaint narrative:
It appears that my file has been compromised. Again, I was going through my records & noticed that some of the information was erroneous. Under section 605b of the FCRA you are required by law to delete the account, as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CT

Complaint narrative:
Today, XX/XX/XXXX, I checked my Discover XXXX  account only to find a {$1000.00} withdrawal that was authorized/submitted/processed XX/XX/XXXX. I called Discover as I did not recognize or authorize the transaction and was told to contact XXXX to see if it was on their end since it was coming from a XXXX XXXX account ( my main checking account is with XXXX  ) I did not authorize or approve any withdrawals from my Discover XXXX Along with this, there was a random hold that was put on my XXXX account transfer TO BE DEPOSITED to my Discover savings and my XXXX XXXX account. 

After reaching out to XXXX they determined it was not viewable on their end who initiated the {$1000.00} withdrawal from my Discover XXXX as well as not being able to determine why there was a hold placed on my account. The representative at XXXX said it was possible my Discover savings has been compromised I will shortly contact Discover again today to inquire furthermore about the unauthorized withdrawal and possibly see which account it was withdrawn too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Our home was foreclosed on around 2006 and Wells Fargo sold it almost immediately. They never told us it was in foreclosure and did not give us the opportunity to sell it ourselves.. We tried to refinance the home prior to this event. Wells Fargo said everything looked good. When I tried to send in the cash for the refinance Wells Fargo told me to go to the courthouse and pay it there. In the courthouse is where I found out my home was being foreclosed in front of everyone in that court room. I never had the opportunity to keep or sell my house. Wells Fargo profited XXXX. Or more from my house the difference in the amount owed to their sale price. We never saw any of that money. Nor was my foreclosure reported to the credit bureau!!!! when I called them to ask why I was told by a female employee named XXXX that she made that decision to foreclose as a kindness to us. There was a woman at my door within a couple of days named XXXX XXXX to evict us giving us three days to get out. I tried to see a lawyer named XXXX XXXX here in my home of XXXX Texas. He told me Wells Fargo was a huge wealthy company and that there was no way I could ever win anything against them. He would not help me. We were left homeless and very very traumatized and personally heartbroken to loose our land and tge home we built on the land thaf we previously owned.

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 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit
State: FL

Complaint narrative:
VW Credit XXXX is reporting this account like still active when in XX/XX/2020 it was declared total lost due to an accident that I had on this car and my insurance and the XXXX  payoffs the remains of the loan. Now after XXXX years this account reappears sold to a third party without legal rights nor my knowledge. It's the total balance of the loan XXXX which was at that time the total amount on the loan. I called VW Credit and they said that they don't have any information on that account since they sold the loan to a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: DE

Complaint narrative:
Report inaccurate information

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX bridges and tunnels The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXXXXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with WELLS FARGO and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, copy of my credit report, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing a WELLS FARGO account on my credit report because it is not mine and I did not open it. WELLS FARGO has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. WELLS FARGO sent these letters on XX/XX/23. I have since started a second investigation with WELLS FARGO and the 3 credit bureaus. I advised WELLS FARGO that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which WELLS FARGO does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed WELLS FARGO and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised WELLS FARGO and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature, it should be removed. However, they continue to end the investigation in WELLS FARGO favor, even though they have not validated the debt with documentation bearing my signature.

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 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Company reporting inaccurate information on my credit report on debts that are not mine. Reported information to XXXX as recently as XX/XX/2023 per all three credit agencies ( XXXX, XXXX and XXXX ). Amounts were {$1000.00} and {$2700.00}. I have no knowledge of the accounts, amounts, high balances or services provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IL

Complaint narrative:
Please note, I'm not using any third party for this matter and I represent myself by myself. 
I believe, my identity was stollen and someone was trying to apply for credit cards or financial goods on my behalf. As a result I got hard inquiries, that I have never authorized. 
These inquiries are not factual data but result of fraud. They must be removed from my report as soon as possible : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 
I have filed FTC report for this matter and I have attached to this complaint, please remove these items from my report as soon as possible.

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 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I took my car in XX/XX/2023 to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from Santander Consumer saying XXXX called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/2023 paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called XXXX and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier Santander Consumer and told them both what was going on, as I got it towed in. The following day Santander Consumer called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/2023 when XXXX called me claiming the water was coming from two window seals that needs to be changed. Santander Consumer then told me that my vehicle was already in the process of being picked up, at the request of XXXX XXXX of XXXX XXXX, they was just waiting on the tow truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My home was damaged from Hurricane Ian. We were finally issued our claim funds and PennyMac will not issue funds so we can continue our process. We were issued 2 checks that are both spent to contractors to do work. We are in the process of getting our roof replaced next and I need additional funds to be released to pay them the balance or I will be charged 11 % interest which is unnecessary since the money is there. I pay my mortgage on time every single month and have not once asked for any kind of assistance from you. The insurance premiums are paid by ME and this is the reason I pay insurance so I can be protected. I have waited 7 LONG months to start the process of rebuilding and I can not continue without funds. I have already spent more than I can afford out of my own pocket and I do not have any more available. If I could pay for all of this myself I would not need insurance and/or a mortgage and I would not wait this long to have my home fixed. i have always been cooperative, I have sent copies of contracts and have done inspections so you can see I am using the money to fix my home. I need to get my home fixed so i can begin living a normal life again after 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/2023 Citibank issued me a card and I called to decline the offer and asked that my fee be returned as I didnt need the card. I had a XXXX balance in my account. I saw suspicious charges and reported them immediately. XXXX XXXX is the company that was charged in my account and it was from California. I live in Arizona. I told them my card had been used fraudulently and that I needed all charges to be reserved and my account closed. They assured me theyd call after investigating the issue and that they needed to cancel my current card due to the fraud and send me a new one. I told them I didnt want a new one and they said I had to keep the account open until everything was fixed. The next month on XX/XX/XXXX I made another call and was dealing with the same issue and they said the same thing but Ive had no resolution. My credit was very good. Over XXXX which as a single mom with XXXX kids in college took me a long time to get. Now all my credit numbers have dropped. I told Citibank all of this. The balance now has jumped up from supposedly XXXX to me owing XXXX on my ( XXXX statement. This cards last four numbers are XXXX. I called again in XX/XX/XXXX after receiving a 2day XXXX letter giving me payment options and telling me the purpose of the letter is to collect a debit. The calls went through 4 people without any help at all. It ended up with a supervisor who sounded underwater and would not fix her problem or call back. That was after an hour on the phone after I worked 10 hours. Im now beyond frustrated and need help with this matter.

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 2023-04-18 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: PA

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation