vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My credit profile currently showing incorrect information showing I have credit inquiries. Which I have not made

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 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I got an email from Rocket Mortgage that my mortgage servicing is being transferred. I called to see if there is anything I can do to keep Rocket Mortgage. I chose them for my business for a reason. Rocket Mortgage would do nothing. 

I find this practice to be very troubling. It's like I'm not an actual person. Companies can do whatever they'd like to make more money off of us. I don't understand how our government allows this practice. I had no choice of where my mortgage was sent to for servicing. 

I have paid every payment on time. I feel like if I had made some late payments, my account would have been " randomly chosen '' to be sold to a different company, because it would be an even more profitable account. 

This is like paying for a 5 star roofing company to install a new roof, but after contract is signed and the project is all ready to go, they sold the work to a 2 star company and you have no say now in who completes the roofing. You're getting your roof still, right? 

Please help the consumer on this. This isn't right. It's frustrating and can happen at no end, but we can't choose to transfer our mortgage elsewhere without refinancing and currently right now, that means paying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: MI

Complaint narrative:
Hi I have requested in writting to that theses items be removed off my credit profile Due to fraud they are not my accounts XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Balance of XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Balance XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
WORLD FIN Account Number : XXXX Delete this account. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint last XX/XX/2023 and companies involved responded. Some items were deleted but some are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2023-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt.

Medical debt is not allowed to be reported until its more than a year past due however XXXX continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, Capitol One and XXXX XXXX  I have filed numerous XXXX XXXX XXXX complaints against XXXX but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX 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 2023-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
On XXXX XXXX we had the cfpb on the phone to talk with XXXX XXXX XXXX GA. 
She closed are account with no cause! 

XXXX XXXX Co XXXX for {$630.00} Fake wirer fee {$16.00} on XXXX XXXX Fake Digital Banking fees with no transaction for {$3.00} on XX/XX/XXXX XXXX XXXX for {$130.00} on XX/XX/XXXX XXXX XXXX {$130.00} on XX/XX/XXXX We have more from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX but bank closed account for no reason XXXX XXXX XXXX XXXX : Closed - Opens at XXXX XXXX  Friday XXXX XXXX XXXX XXXX, Georgia XXXX Located next to the XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX NO LAST NAME REFUSED TO RELEASE After several attempts the manager at XXXX GA first Citizens Bank has XXXX and XXXX XXXX comments and discrimination comments about our company and our political beliefs of helping XXXX with XXXX XXXX helping the homeless and the veterans she is in line as a XXXX XXXX XXXX XXXX XXXX 
She illegally close the account and made horrible claims about XXXX  XXXX being a XXXX  XXXX when she's the one that's a XXXX and then she shut the account down and stole over {$3000.00} and left charges on our account that was disputed properly with no evidence of any receipts imprinted the card and she does absolutely nothing under consumer protection rights as a banker she should be arrested and fired or both. 
The bank has placed numerous charges on the account that have been placed in dispute because the merchant is out of stock and they refused to credit the account or look into it they keep on stating that we need to contact the merchant directly the laziness of this bank is quite frankly mindboggling and they should be sanctioned the consumer protection Bureau needs to do something to protect the people which they never do let 's see what we can do this time around this is absolutely disgusting On XX/XX/XXXX First Citizen Bank decided to close my account because I filed a complaint with your agency they said since I filed a complaint against our bank we are shutting your account down. 
this bank is run by a bunch of corrupt officers that steal money from your account and refuse to investigate valid disputes from the merchant they produced no paperwork they produced no signed signatures no imprint of the cardinal swipe nothing and they said your claim is hereby denied when there was no goods and services rendered. 
this bank is worth billions of dollars for a reason they file claims collect the money in a pocket the cash and XXXX the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: NV

Complaint narrative:
Detailed below is the response I received regarding a dispute I filed on XX/XX/2023. 
I attached an identity theft report, my id and a statement, with that dispute. 

This letter excludes XXXX XXXX. XXXX XXXX has handled my issue like a pro. XXXX XXXX has been an outstanding help. Thank you. 

I would like to advise the credit reporting agencies ( Experian- spoke tto agent XXXX ( claims did not receive my documents despite the fact that I submitted it through the CFRA portal. Already in violation of U.S.CODE 1681C-2.. and XXXX ) that they are violating federal law. 
15 u.s. code 1681c-2 - block of information resulting from identity theft. 
a. block states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer, no later than 4 business days after the date of receipt by such agency.

It has now been 14 days since submitting my dispute through the CFPB. 

Please be advised that if these accounts are not deleted promptly, I will be filing- Notice of Default opportunity to cure within the next 7 days.Thereafter, will be filing 1681N and or 1681O Civil liability for non compliance. 

I have no relation or transaction with these companies therefore must be deleted promptly. 
Below is the response I received and it is unacceptable. 

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

Company 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 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
TENAGLIA & HUNT, P.A. purchased a debt from XXXX XXXX XXXX that is in active dispute with the original creditor. I also sent a Non public personal information ( NPI ) opt out notice to the original creditor and they ignored it and released the XXXX including non public personal financial information ( PIFI ) to a third party. 
TENAGLIA & HUNT, P.A. also failed to comply with the Fair Debt Collections Practices Act in contacting me in attempt to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: IL

Complaint narrative:
I have a inquiry from XXXX XXXX on XX/XX/2023 on my experian credit report, that I did not apply for. I did not apply for any credit card at all recently.

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 2023-05-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and the companies responded. Some got deleted but there are still fraudulent items on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called XXXX XXXX XXXX. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the XXXX XXXX in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, 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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 and account was opened online in my name at Frost bank. I received a call on XX/XX/2023 from XXXX XXXX who works a Frost Bank notifying me that an account was opened in my name. I let her know that I did not open the account and I have never opened an account at Frost Bank. She immediately closed the account and reported it as fraud.

Company response to consumer: Closed with explanation