vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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:
MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XXXX  XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2

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 2022-11-16 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:
MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XXXX  XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: IN

Complaint narrative:
The collection XXXX XXXX  XXXX XX/XX/XXXX. XXXX {$850.00} Im not responsible for this account and I gave no permission for this account to appear on my report as the law states that I have a right to privacy.

This is the 2nd time this account has been place on my Experian credit report and I ask it be removed

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 2022-11-16 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: NJ

Complaint narrative:
Noticed a few inquiries on my report I do not recognize

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 2022-11-16 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: TX

Complaint narrative:
What step were taken in the reinvestigation process. Please provide because On previous complaint # XXXX Transunion continue to avoid their obligation to conduct a thorough investigation on the inaccuracy of my consumer report. This complaint was closed on XX/XX/2022 with the explanation of needed additional information however I did receive this letter dated XX/XX/2022. But I also received XXXX additional correspondence dated XX/XX/2022 reinserted XXXX XXXX to my consumer report and another letter reinserted XXXX XXXX XXXX XXXX to my file. They are circumventing the CFPB portal to cause harm to me and my family well being. The closing Feedback from Transunion is completed FALSE!!!! For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA

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 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: OR

Complaint narrative:
I have no idea who this caller is but I've blocked MULTIPLE numbers from " XXXX XXXX '' all of the employees use alliterations and fake names so another I spoke to was XXXX XXXX  for example. 

They've called from XXXX starting XX/XX/XXXX Then from XXXX from XX/XX/XXXX Then it was XXXX from XX/XX/XXXX Now its XXXX which called today Didn't know who it was other than a " recorded line '' and they refused to say who they were with other than XXXX. I called XXXX times and finally after breaking down and getting upset about the situation did the fourth time they finally say " financial recovery services ''. 

XXXX of them VERY aggressively said " sir, we are a COMPANY '' which doesn't mean anything. I could find no details on the numbers that were calling other than when calling the other phone numbers, the voice clearly being " XXXX XXXX '' on all of the other examples online of calls recorded from those previous numbers. 

Have no idea who these people are, they refuse to tell me and only after I tell them how badly they've stalked me for months do they tell me. I look it up and find that failure to disclose your company is in violation of the Fair Debt Collection Practices Act listed on their website. 

https : XXXX Specifically ; Section XXXX of the Fdcpa under False or Misleading Representations : " use any other name than the true name of the debt XXXX business, company, or organization '' Bluntly, when I said I didn't know who XXXX was and I needed more clarification, that failed to disclose the true name of their business multiple times on a " recorded line ''. This lead to me feeling harassed and threatened for months as I had unknown calls swarming me. This is illegal given they claim to adhere to the FDCPA but do not disclose the true name of the business which a deceptive practice. 

Lastly, all numbers I've given are not found on " Financial Recovery Services '' website, so ultimately, I still don't know who is calling. If it is XXXX XXXX XXXX, they are violating the law under FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I signed up for the Wells Fargo XXXX credit card that advertises 1x point per {$1.00} spent on rent. After a HARD PULL on my credit, I am informed that I ALSO have to make a minimum of XXXX transactions on the credit card per month to get any points added on to my account ( the rent payment does NOT count ).

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 2022-11-16 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXXXXXX and CMRE. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXXXXXX, XXXX ) will not block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: MOHELA
State: CA

Complaint narrative:
I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXX  and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXX, XXXX ) will not block these fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RockLoans Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2022 I, the consumer and natural person, was denied credit by XXXX XXXX XXXX when I applied for a Personal Loan through www.rocketloan.com Rocket Loans forwarded me an adverse action letter from XXXX XXXX XXXX denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
Rocket Loans and XXXX XXXX XXXX  is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: DE

Complaint narrative:
According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: DE

Complaint narrative:
According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report.

The following Inquiries are in violation of the FCRA and FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check from my employer on XXXX to Bank Of America at a local branch. I have deposited checks like this many times before, and at least once on this new account. When I deposited the check the employee at the window said my funds would be available on XXXX. 
I learned that night that a hold had been place on the check. As I was in a serious financial crisis I made plans to go back. Per the e-mail from BOA and the information on from the app on my phone, I was to receive a notice with the reason and information as to when the funds would be available. 
I went back to the branch on XXXX and spoke to a floor representative/person. She informed me that her research found the reason for the hold to be confidential. So no reason for the hold there. I called customer service from the branch 's phone. After the first 12 minute wait I got a person in Texas only to lose her after 2 minutes. A second call was made with an 11 minute hold and was dropped again. The third attempt resulted in a person from New Mexico ( if I recall correctly ). She said the bank put the hold on the funds to verify the source of the funds and payment. She then said the bank would honor the deposit on XXXX. 
I thought this reason was incomplete. The employer 's check was a government agency and I had made a deposit from this employer many times before. After further research she said the deposit would not be honored until XXXX. I asked to speak to a supervisor. 
The supervisor said that holds were done on a case by case basis. But she did not supply a reason for my " case '' being chosen. She said the wold was by ACH and the federal government. I pointed out that ACH is not a gov't agency. Again I said this is not a reason for my " case '' being chosen and wanted that information. I pointed out I had been XXXX different dates for the deposit to be honored by BOA employees. I also pointed out that their own response to me was that a reason would be given. But no reason as to why my case was chosen was provided. At least not one I though was reasonable or logical. Does case by case basis mean random to BOA? 
My preliminary research indicates that at least {$200.00} of the funds were supposed to be made available but so far that has not been done. I received no information that it would occur. 
This isn't just inconvenient, it is life threatening. I need to get my insulin and other meds. Can someone help.

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 2022-11-16 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: United Revenue Corporation
State: TX

Complaint narrative:
This company is claiming that I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They are illegally reporting XXXX incorrect accounts to XXXX, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both XXXX and UNITED REVENUE CORP received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both XXXX and United Revenue Corp are in violation of HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: PA

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-16 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: PA

Complaint narrative:
Collections/Derogatory marks. 
XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting act, they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$520.00} XXXX OF XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Fraudulent car loan on credit report

Company response to consumer: Closed with explanation