vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: OK

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A XXXX XXXX dollar loan was acquired on approximately XX/XX/2022 using my personal or business information without my acknowledgment or consent. The company that issued this loan is XXXX XXXX. I am taking a legal stance against this as well as disputing this fraudulent loan with the credit bureaus. This company is now making an attempt to freeze my business and personal accounts. Without proof of acceptance of any financial transactions on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Ray Skillman Westside Imports Inc
State: IN

Complaint narrative:
The car dealership XXXX  and Rayskillman are showing up as an inquiry on my credit report as I didn't authorize anyone to pull my report nor did I apply for any loans. I have contacted them on several occasions and no one has been of any assistance to have this removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: PA

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NV

Complaint narrative:
On XX/XX/2023, I sent a letter to all three credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all three credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau experian, XXXX, and XXXX to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from third parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from third-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all three bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I contacted PayPal to disable the feature that lets you log into your account with just a text code & they refused. I said what happens if I lose my phone, someone can get into the phone by say an easy password, no password or weak phone security. They said you need to call us. I said, no, just disable that feature & allow for use of a password only. They said they could/would not change this for me. 
I believe they are operating in a very dangerous manner, exposing millions of users to potential theft this way. 
My account was connected to multiple bank accounts & a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Overdraft fees for things that shouldnt be over drafted, withholding a pay check for over two weeks and said that it was the employer, but Wells Fargo had already taken money from the payroll account.

Dates range from XXXX There are at least twelve different fees I have been wrongly charged. When I try to dispute the charges they have denied them or given me partial payment. I also have overdraft protection. 

I was never contacted by Wells Fargo to discuss settlement or see if I was impacted.

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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
Received notification from creditor advising a debt was owed by me. There was no information validating the debt is owed by me. This company is in violation of the FCRA reporting standards.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
A account was open using my SSN at Citizens BankN.A used for buying house survalance equipment which who ever it is has my SSN # and I need a block on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a checking account with Truist Bank because they sent me an offer to open a checking account and receive a bonus. I followed all the steps and opened the account initially on XX/XX/2023. I had to deposit {$50.00} to open the account, and I transferred this amount to the new Truist account. A few days later, on XX/XX/XXXX, I was locked out of my Truist account. I called customer service and they had closed the account with no warning or notice. I asked to get my {$50.00} deposit back, and the agent was unhelpful and did not process or escalate the issue. If they closed the account without telling me, they should refund the deposit I 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 2023-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
. I purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.

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 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX XXXX, homeowner of XXXX XXXX XXXX XXXX XXXX have been submitting modifications for the past 10 years. Lawyers were used as mediators to work out the modification process and submission of documents. But still modifications were ineligible and denied. At the present time I have an attorney and a modification program was approved from {$3400.00} a month to XXXX a month starting on XX/XX/2023. 
I find this unfair and not a feasible mortgage payments. 

Bank of America is the Mortgage lender at the present time.

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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit profile a few months ago and realized an account that I didn't open is on my reports. I was young and never knew anything about credit and have never had a credit card. Someone opened a credit card with my information, made payments and stopped paying I guess, and now I have this fraudulent debt on my name. I was informed I've been a victim of identity fraud. 

I informed XXXX XXXX XXXX XXXX that this account is not mine, I am a victim of identity theft. The account number is XXXX. I have filed a police report, and mailed it to them along with my identity theft form. I need this account removed from my name and credit reports immediately. This is my final attempt at peaceful mediation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dating back to XX/XX/XXXX is when this matter was first disputed. Now being XX/XX/XXXX matter still not resolved. XXXX, Experian and XXXX are all reporting a XXXX  on my consumer credit report. They have all put in the data furnisher as being the XXXX XXXX XXXX XXXX XXXX which is FALSE. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify, validate any information concerning bankruptcies or any court proceedings. XXXX, Experian and XXXX are falsely stating this information on my consumer credit report and have yet to remove this item after several disputes.

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 2023-02-02 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: PENNYMAC LOAN SERVICES, LLC.
State: ME

Complaint narrative:
I sent a Letter ( his second hand letterdelete inside brackets ) on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As I was trying to purchase a home I noticed the were accounts that was reporting delinquent and this not true. In the past these same companies XXXX XXXX XXXX and XXXX Bank ; XXXX XXXX ) had to correct their accounting and billing for the same mistake. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is invasion on my report and a defamation to my character. I take my credit very serious so these late payment should be corrected as current immediately. According to, 15 U.S. Code 1666 the creditor should make appropriate corrections in the account of the obligor and correct their billing immediately so I can proceed with buying a house.

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I received a credit alert from my book telling me a received a major derogatory mark on my credit report with CREDENCE Resource Management. The account number is XXXX and date status reported XX/XX/2023. The amount is $ XXXX called this company and they told me someone opened an XXXX XXXX XXXX account in my name in XXXX. I told them that I do not live in XXXX  or know anyone in XXXX, and this was not me. About 6 months ago possibly the same person tried to open an energy account in XXXX  in my name as well. This was removed from my credit report. I was told that this matter was turned over to this collection agency and an attorney. 
I called XXXX, who helped me with the last issue, and reported the problem. I was told to file a report to your agency. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I checked my credit report a few months ago and saw this account on my reports. It is not mine, I am a victim of identity theft. I have filed a police report and trying to get these matters handled. I need this account removed from my name and my reports immediately. This is my final attempt at a peaceful mediation. 

The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I am writing regarding the transaction of {$10000.00} with the transaction ID XXXX, which was sent to my WISE account associated with the email XXXX on XXXX XX/XX/2022. This account was deactivated by WISE. This transaction was made by mistake to my WISE account by one of my clients. The amount of {$10000.00} must return to the sender 's account, but it never happened. We already have filed a complaint to the bank from where this transaction was made, it's been almost over a month this amount was never sent back to the sender 's account. As we were paid for our services, my client is not willing to repay our services because He didn't get the prior transaction amount back in his account. We need this matter to be fixed ASAP. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a prepaid XXXX as a gift from one of my vendors. I attempted to identify its value on the issuer 's website ( XXXX, XX/XX/23 ), but the website indicated I had to call the issuer. Upon doing so, I was told the card was 'compromised ', but with no specific details as to how. I was instructed to utilize links on their website to submit photos of the card along with my personal information, but the website would not allow me to do so. I attempted with multiple operating systems and web browsers, but their system stated it was 'unable to process my request ' and to again call their phone support. I did so, and spoke with a supervisor after a long wait. XXXX ' informed me that he would escalate the matter, but could not take my name, email or phone number for them to contact me to provide resolution. Instead I was instructed to call back after 5 days. Looking at various web forums, this seems to be a pattern for many customers. The issuer states a card was 'compromised ' without any validation and refuses to honor it, which feels remarkably like an orchestrated scam.

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