vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: NJ

Complaint narrative:
Hello, I am making this complaint because I am confused to why I have accounts still reporting on my credit report that I have disputed but are still showing up as inaccurate information. The only response I have got back was that it was verified but there was no proof or evidence of that being true. I am feeling a sense of hopelessness and stress that there is information being reporting that I have no recollection of and there is no real investigation being done. It simply states in Section 611 in the FCRA that a consumer has the right to request the procedure of verification by any Credit Reporting Agency. Please explain to me how these accounts that have be disputed been verified and/or been updated. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
I JUST NOTICED A COLLECTION ACCOUNT APPEAR ON MY CREDIT REPORT THAT WAS PAID THROUGH MY INSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Westlake Services, LLC
State: FL

Complaint narrative:
Company made a hard inquiry on my credit and i have not asked for any service from the company. Company made a hard inquiry on my credit without my authorization since i have never contacted the company or asked them for any service. Ive called the company multiple times to asked for assistance in resolving the issue but since im not a customer they can not help me. Seems like the company doesn't have any procedure to assist non customers. Credit bureau is asking for a letter form the company stating i do not have any account and that they have not inquired on my credit in order to remove the inquiry from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
To whom this may concern I am a victim of identity theft and would to submit this dispute in support of getting these fraudulent accounts removed from my credit report. I am in the process of home owning and this is causing much distress. I am not sure how these criminals were able to access my information to open these accounts but I would like them removed to that I do not have any issues with my future financial endeavors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I deposit a U.S. Goverment Check for {$1800.00} for social security backpay after this I asked the bank teller when will my funds be available she said right away then I made several transactions but not totaling {$1800.00} and one XXXX I received a direct deposit for {$520.00} for my SSI Deposit again I made several transactions but not totaling {$520.00}. I have tried and tried to notify this bank of this error but to no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My current home mortgage is with NewRez LLC dba Shellpoint Mortgage Servicing. I've applied to refinance the mortgage with another bank in XX/XX/2020 and have been approved for a loan. 

NewRez doesn't respond to the closing lawyer 's requests to release the original stock and lease ( the property is a coop ) in order for me to close on the new loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
I dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I received a collections letter from Helvey & Associates Inc about a utility bill balance of {$53.00}. I explained to someone at the company that I am a victim of identity theft and I have no knowledge about the bill. The company took it upon themselves to search through public records to pull up my name XXXX XXXX. I did not give them permission to search me. I am a XXXX XXXX XXXX as well and I try my best to live in privacy because of that. This company keeps calling me repeatedly from different numbers through out the day. They have no verifiable debt information and I ask that this company leave me alone immediately before I seek legal advice from my lawyer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Aqua Finance, Inc.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020XXXX XXXX XXXX  add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear CFPB Complaints, I have requested my free annual credit report from Equifax on several occasions starting from XX/XX/2020. But each time I request the report, Equifax sends a pre-written auto-response indicating that I should apply again ... 

My previous requests have included information such as my driver 's license front & back, social security card and a gas utility bill. I have attached these documents for CFPB inspection. Also note, the XXXX email account I am using with my CFPB account usually appears on my credit reports. 

Please CFPB can you tell Equifax to send my free annual credit report. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: FL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed 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. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX XXXX Past Due Amount : {$950.00}

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 2021-01-13 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since the middle of XXXX I have been trying to work with Wells Fargo to reverse {$15000.00} of fraudulent cash advances on my credit card that were placed into my checking account and fraudulently taken out of my checking account via XXXX XXXX, XXXX and XXXX. 

I have filed three claims with Wells Fargo to date, provided them with a police report from the XXXX Precinct in XXXX confirming that their investigation proved that my XXXX, XXXX  XXXX XXXX and Wells Fargo accounts were all hacked to the total amount of {$25000.00}. 

Wells Fargo has denied my claims, XXXX is giving me a hard time about some charges and XXXX XXXX XXXX has two other charges they need to clear. 

I would very much appreciate the help reversing all these issues, Wells Fargo is the most pressing and the one I need help with the most. 

This is all due to my being scammed by someone who offered to assist me with paying my bills due to financial hardship, who asked for my login info, and then turned out to be a scammer/hacker and committed so much fraud, leaving me in worse financial shape.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern : I was falsely accused of fraud by Capital One on a cashier check that was purchased from their branch location and deposited in my XXXX XXXX account on XX/XX/2020. 
To this vary day, Capital One Bank has not stated in writing what are the specifics of their accusations or sent any letter. I've request three separate times a letter explaining what's going on and they have ignored the request 3 times. They have wrongfully tied up a significant amount of my funds since XXXX. This have cause much hardship for my family. XXXX XXXX was instructed to send the funds back to Capital One. I have been kept in the dark with no explanation on why the funds had to be returned the whole time. XXXX agrees with me that there was no fraud committed after they requested that I submit documented proof of the transaction in question. XXXX told me that they have to follow timely guidelines in order to send the funds back. My main complaint is that Capital One should have never reported to the opposing Bank that it was fraud period. Capital One has abused their authority and cause financial hardship and suffering for no justified reason. After over 70 days, I still don't have my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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:
To whom this may concern I am a victim of identity theft and would to submit this dispute in support of getting these fraudulent accounts removed from my credit report. I am in the process of home owning and this is causing much distress. I am not sure how these criminals were able to access my information to open these accounts but I would like them removed to that I do not have any issues with my future financial endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I filed a dispute concerning inaccurate information on my credit report. It's been well over 30 days ( it's actually been months ) and I haven't received any investigation results.

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