vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: MT

Complaint narrative:
I have been trying to get a current up to date copy of my XXXX credit report from Credit Karma for close to a year and a half. I have contacted them on multiple occasions and each time, they state different ways to remedy the issue from uninstalling and reinstalling the app to using the website on a personal computer instead of a cell phone to deleting my account and opening a new account to changing my password as well as sending proof of my identity so they can update my information, all of which I have attempted to no avail. The issue I encounter is not being able to see a copy of my report from that day and instead I am given the choice of XXXX reports with different dates, XX/XX/2021 and XX/XX/2021. I also have the option to choose and receive a current, up to date copy of my XXXX report which does indeed provide the current, up to date report. I have email after email back and forth with Credit Karma but I don't have a remedy to this problem. I still can not get a current XXXX credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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:
I filed numerous ftc reports for fraudulant account and addresses on my credit report and nobody will help me get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: MS

Complaint narrative:
I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : XXXX. XXXX XXXX XXXX ( Originally : 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 non-monetary relief
Consumer complaint received 2023-07-06 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: MS

Complaint narrative:
I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : 1. XXXX XXXX XXXX ( Originally : XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05 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: NV

Complaint narrative:
1. ) : remove all telephone numbers except ( XXXX ) XXXX XXXX 2. ) : remove erroneous employment data re : XXXX XXXX XXXX XXXX 3. ) : remove XXXX XXXX # XXXX 4. ) : remove XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 5. ) : 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
My complaint is against DovenmuehleXXXX XXXX My original mortgage loan was with XXXX XXXX for {$630000.00} on XX/XX/. It was later transferred by XXXX XXXX to DovenmuehleXXXX XXXX XXXX shows the loan received as {$630000.00}, but input the principal balance owed at {$730000.00}. I never accepted additional money nor signed for additional loans from them. They have been given multiple documents supporting there mistakes and are dragging their feet to fix this error. I am currently in escrow to close the sale of my house and can not complete due to this {$100000.00} error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX WellsFargo say I owe {$270.00} dollar and that was not true

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 2023-07-05 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXDEPT OF ED # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXas 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2023-07-06 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: MA

Complaint narrative:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-07-06 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: ND

Complaint narrative:
Affirm has constantly contacted me over the course of 7 days. I have blocked their numbers yet they have left multiple voicemails with no messages and have most likely tried contacting me more. I am a survivor of cyberstalking and have XXXX XXXX XXXX XXXX because of the incident and when Affirm has called and left blank voicemails it triggers my XXXX. Not only have they violated my rights as a consumer but my rights as a XXXX XXXX. I have attached 3 of their voicemails however they have left 3 more and have most likely attempted to contact me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted to fix errors on my consumer report on multiple occasions. I have two accounts that are being inaccurately reported on my consumer report for {$67000.00} & XXXX. 

Other consumer reporting agencies have deleted the inaccurate accounts from by consumer report but Transunion has willfully and knowingly ignored my demand to have them removed. 

Please be advised that " verified '' is not a legal or lawful response.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello. I am very surprised about the response that you sent me for my last complaint, with the identification number XXXX, from XX/XX/2023. 
Simply, and very easily, my American Express credit card that ends in XXXX does not appear on all three credit companies ' reports, that includes XXXX XXXX, XXXX, and XXXX. 
It only disappear in the last month, and I do not know by who this occurred, as it always appeared every other month since I had this card. 
I submitted a complaint against all three credit companies, XXXX XXXX, XXXX, and XXXX. 
All three of them told me to contact you. 
And it is very strange that you are telling me to contact them. 
Someone is making a joke from this entire ordeal. 
Please take care of this, and make sure that this American Express credit card, which I am using actively, and is active, and again I say, that ends in XXXX, appears in all three companies ' credit reports, and does not tell me history stories. 
I would like to mention that on your credit report too I checked, and it does not appear on your credit report either. I have three credit cards with you, and another personal loan on my account as well. 
Two of my credit cards, American Express XXXX XXXX, and American Express XXXX XXXX, as well as my American Express Personal Loan, all appear on my credit report, excluding my final third card, ending in XXXX. 
And it is strange that this card ending in XXXX is the only one that does not appear. 
And all of the three credit companies tell me to contact you.

And you send me to the three credit companies. 
So what is not correct, is all of you have an issue. 
I expect that this will be the last complaint that I will submit here and that you fix the issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-06 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX my credit got pulled 5 different times without my consent. 





Credit Plus  XX/XX/XXXX XX/XX/XXXX Hard pull without consent or communication with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TX

Complaint narrative:
Tried contacting all credit bureaus to have unauthorized inquiries. They were not willing to help me removed them until I receive a document from the FTC

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 2023-07-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Tried contacting all credit bureaus to have unauthorized inquiries. They were not willing to help me removed them until I receive a document from the FTC

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 2023-07-06 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 I got a email from bluebird prepaid card company starting my money was deposited {$1200.00} so I went on my mobile app and signed in as I was looking at my account my money was leaving fast I called the bluebird prepaid card company and asked them why is my money leaving my account and I don't have a card? I was told that I didn't order one I informed them yes I did on XX/XX/2023 and was told that one would be issued in 5-7 business days on this day as they were talking to me inside of correction the problem my money was still leaving my account now I had {$18.00} and at that time they helped me with a money pick to XXXX for {$15.00} dollars because the company charge {$3.00} dollars fee for that in between time I did a dispute on the matter and in less than 45 days it was denied so I reopened it again and once again it was denied why? Because they claim they did a investigation how and it was less than 45 day time frame. I just sent in the paperwork you asked me to do just Yesterday I faxed it and yes we did receive it but the investigation team denied it so I reopened it again I am just tried of this I couldn't pay my rent are other bills right now I am behind on my rent and other bills because of this I called the the bank that they affiliated with I call XXXX money they are also affiliated with and was told that I should have gotten my money returned back to me and that they can do nothing about it they just affiliated with them I call back ask you the supervisors because of the service are rude okay I'll look it up all the main offices in the XXXX they don't even have a corporate telephone number nothing I'm not getting through with the company XXXX number that's on the back of my card at the time it was the car engine in XXXX you know please somebody help me get my money back cuz I feel as though that I'm very being treated very unfairly concerning is I've been with that company for 6 years and never had this problem and now that I have they don't want to refund my money that's against my constitutional rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
There are numerous UNAUTHORIZED hard inquiries on my credit report attached to my social for which I, XXXX XXXX XXXX, did not authorize. These inquiries need to be deleted and include the following companies : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX 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