vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS 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 2023-02-08 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 am interested in disputing all incorrect information on my credit report with Equifax. please delete all incorrect information asap to update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 am interested in disputing all incorrect information on my credit report with transunion. pleas delete an remove all invalid data asap.

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 2023-02-08 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: TX

Complaint narrative:
I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that XXXX anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas 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 2023-02-08 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:
Equifax continues to report a loan from XXXX XXXX XXXX on my credit report as a charge-off despite the fact that they have been notified multiple times by the original creditor and me that the account is fraudulent and does not belong to me. The original AUD removal order was sent to Equifax by XXXX XXXX XXXX XXXX XXXX, XXXX and again on XX/XX/XXXX, however, as of XX/XX/XXXX this trade line remains on my Equifax credit report. This has already jeopardized my military career and my government security clearance as well as my ability to obtain credit. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
My consumer right has been violated according to XXXX us code XXXX... inaccurate information is listed on my report which should be deleted immediately.

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 2023-02-08 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:
My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should be deleted immediately.

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Yes I have some on paperwork show XXXX  about {$400000.00} XXXX stolen from me I like my cash back and I'd like you to look at these fraudulent paperwork and they wouldn't check the dates I said it was XXXX XX/XX/XXXX or XXXX to the end and this last month or two months in XXXX XXXX paperwork says they can pretty much steal from me throw my deposits out not ship deposits from me or anything do whatever they want I'd like to go to look at it and I like my money back from the other times get don't

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 2023-02-08 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:
My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NC

Complaint narrative:
My name is XXXX 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.

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 2023-02-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX.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 XXXX by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has and continues to XXXX fraud in regards to the appropriation of monthly mortgage payments I am sending to RightPath Servicing. RightPath Servicing sent letters on XX/XX/XXXX and again on XX/XX/2022, stating my insurance had expired, of which it did not. RightPath Servicing stated numerous times that I needed to purchase Hazard insurance or they would purchase this insurance on my behalf and assess me for it. I sent RightPath Servicing proof of hazard insurance, multiple times. RightPath Servicing XXXX  misled me by claiming I needed hazard insurance coverage, only to place a XXXX insurance policy on my property, and not hazard insurance. I have sent RightPath Servicing mortgage payments and have had these funds misappropriated by RightPath Servicing. Every mortgage payment applied to the fraudulent XXXX XXXX policy purchased by RightPath Servicing is considered a separate act of fraud, as is every mailed statement a separate act of fraud via XXXX mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was billed for items from Bloomingdales that I never received. I have contacted them many times by phone, and every time they tell me they are going to refund my account and check back with me in 48 hours. They never call back and never refund me. This has been going on since XX/XX/XXXX. They are now charging me late fees on my card! It is a getting to be very stressful. On the website it says they refunded me but they really have not because if they had my balance would be XXXX Now it is affecting my credit score. They have many complaints about how they treat costumers, I will never order anything from them again It was my first time and last!

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 2023-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to newrez mortgage and newrez said that XXXX did not take enough money for my escrow, so now I have to pay an extra {$300.00} on top of my regular mortgage payment, and I have to pay it for almost a whole year! I'm retired but have to back to work because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
On or about XX/XX/XXXX I submitted a dispute with Experian regarding two unauthorized inquiries on my credit report. As a recent victim of identity theft, multiple data breaches including hackers from the XXXX Government ( because I worked many years for a XXXX XXXX XXXX ), a former XXXX XXXX employee of XXXX years ( mostly XXXX ) and victim of XXXX XXXX by an XXXX XXXX XXXX making XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am understandably concerned when my information is accessed inappropriately. 
Experian dispute # XXXX. On XX/XX/XXXX Experian sent multiple emails indicating the dispute was completed, and to log in for results. Upon logging into the Experian website I was advised the results were NOT available online with no further explanation. On XX/XX/XXXX I contacted Experian by phone, the rep refused to provide his employee number or name and repeatedly said the disputed info had been removed. False. As of XX/XX/XXXX it still has not been removed. The Experian rep refused to provide additional information I had requested ( IP address of the requesting party, credentials/user ID and so forth ) which would help me determine/identify if my XXXX XXXX or other parties were responsible. 
At issue are the following inquiries : XX/XX/XXXX by XXXX XXXX XXXX, XXXX, California. Several phone calls with XXXX XXXX and they ALL denied having run my credit, meaning either an employee with nefarious intent did so XXXX XXXX 's network had been hacked. On XX/XX/XXXX XXXX finally sent a letter acknowledging they HAD run my credit for a pre-screen. I had not applied for credit, a loan nor had I attempted to open an account with XXXX. They had no right to run my credit, no right to access what should have been private info. 
The other inquiry is XX/XX/XXXX by XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX by Certified Mail which they received on XX/XX/XXXX but they have not yet responded. I had not applied for credit, a loan nor had I attempted to open any sort of account with XXXX XXXX XXXX. They had no right to run my credit, no right to access what should have been private info.

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 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
They said i got a loan and i didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: GA

Complaint narrative:
EXPERIAN Has kept the same XXXX late payments on my account damaging my credit for over XXXX years, and I want XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CARD, XXXX REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY

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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Funds were processed when funds were available for auto payments. Wells Fargo processed them to purposely over draft the account on numerous occasions

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 2023-02-08 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: NY

Complaint narrative:
My name is XXXX 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.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I made a call on XXXX to request a goodwill adjustment to my credit report for two late payments due to XXXX related issues only to have XXXX, Amex Rep, tell me over the phone that American Express will not do that. Unfortunately, this is a bold face lie as the company has worked with thousands of customers to make goodwill adjustments on payment related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TN

Complaint narrative:
I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. XXXX XXXX XXXX have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to XXXX XXXX XXXX XXXX of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX  XXXX : Account # - XXXX XXXX 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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX, XXXX and complaint against Wells Fargo bank On XX/XX/XXXX Wells Fargo responded to my request to verification why servicer ( under CFPB rules ) XXXX  deposited a refund check for my property taxes payable to Wells Fargo bank. 

Wells Fargo said that they are unable to address this matter why XXXX received money from XXXX. 
Wells Fargo also told me to contact XXXX to verify if this refund was deposited tomy escrow account. 

First, it was VERIFIED by the check sent to me by my Town Assessor that my money were deposited on WELLS FARGO account, not on my escrow account. 

Therefore, Wells Fargo is a part of Servicing and Collection team and a Serviver under RESPA and collector under FDCPA and must respond to my questions. 

I specifically asked why Wells Fargo was named as a payee on the Check deposited by XXXX. 

Who is the owner of the account where Wells Fargo deposited my checjk? 

Who authorized Wells Fargo to accept this check and deposit it on Wells Fargo account? Please provide me names of each individual employee of each company who authorized Wells Fargo to accept my checks and deposit them on Wells Fargo account,. 

Please provide me the NAME of an individual employee at XXXX  and XXXX who can confirm that Wells Fargo was authorized by them to accept money for my escrow on Wells Fargo account. 

Please provide me the contact information for XXXX individual officer who is responsible for bookkeeping and accounting who can verify that they authorized Wells Fargo to accept my money. Was it transferred from Wells Fargo account to my escrow account? Who made this transfer? XXXX? 

Be informed that on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informed me that the current owner of my alleged Loan is XXXX, who has no records about XXXX  involvement in any servicing activities. 

Be also advised that according to XXXX XXXX XXXX Form XXXX my alleged loan is in XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX is Trustee who is responsible for administration and collection of my money. 

Be also advised that XXXX XXXX XXXX, XXXX is a fake corporation registerd in XXXX by XXXX XXXX as a Single Member XXXX. XXXX died in XXXX and never transferred ownership of XXXX to anyone. All my money are collected and processed by XXXX XXXX, who confirmed it several times. 

Wells Fargo must provide full disclosures why they collect my money on THEIR account and who authorized them to deposit these money on Wells Fargo account and who is the owner of this account.

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